We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Debit card payment not authorised but money still leaves account!!
djdave78
Posts: 4 Newbie
Hi all! Need some advice! Tried to pay for goods with my solo card and the first payment was void ok so try again and this time it was not authorised! Couldn't understand why as I have over 3 grand in my account and the payment amount was for £280. So I check at the ATM and 2 payments of £280 have left my account!! Went into Natwest and they say I will have the money credited back but could not say when! Can anybody explain what's happening here please!! I really need the money back ASAP!
0
Comments
-
Hi all! Need some advice! Tried to pay for goods with my solo card and the first payment was void ok so try again and this time it was not authorised! Couldn't understand why as I have over 3 grand in my account and the payment amount was for £280. So I check at the ATM and 2 payments of £280 have left my account!! Went into Natwest and they say I will have the money credited back but could not say when! Can anybody explain what's happening here please!! I really need the money back ASAP!
The amounts would have been taken to a holding area while payment went through. As the payment didn't go through nothing will be debited but your available balance will be lower until the funds are no longer held. Normally takes 2-7 days. Its quite typical of transactions to do this, which is why I use a credit card
0 -
These are called shadow authorisations. Sometimes a card payment duplicates. The retailer will only claim one payment - so the best thing to do is keep an eye on your account over the next few days - I think you'll find that only one payment will go out of your bank, and the other £280 will become available again.Best Regards
zppp
0 -
Have over 3 grand but really need the money back now??Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;Debts as of May 28th 2011:Santander CC: £0.00Lloyds OD : £0.00DFW Nerd #1247 - Proudly dealt with my Debts Olympic 2012 Challenge #12
0
-
Onlypaddy be fair, we don't know what other transactions are pending for the OP.0
-
you will get it back ina matter of days0
-
Onlypaddy be fair, we don't know what other transactions are pending for the OP.
Exactly.
Besides, whether it's really needed right now or next month - it's needed bakc so the sooner it's sorted the better.
Keen photographer with sales in the UK and abroad.
Willing to offer advice on camera equipment and photography if i can!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards