Restaurant didn't charge Credit Card

khakilad

I went to a restaurant last week and paid by Amex Charge Card and got a receipt to say the payment had gone through and the credit card slip clearly states that it was authorized and even gives a Auth number, however it hasn't appeared on my bill and the restaurant called me today, to say that the charge didn't go through.

What should I do?

I paid in good faith and have a receipt to prove it, however where do I stand legally, do I need to pay them again or is it up to the restaurant to take it up with their bank?

Any Help would be good

Zandoni

I'd just pay them, seems fair to me.

nickyhutch

I'd ring Amex in the first instance.

stephen77

as above ring amex to see what the issue is. I would probably contact the resturant straight after to say what amix are doing out of curtesy.

somethingcorporate

Legally you owe the money.

pcombo

You cant get an authorization number unless funds have been authorized and available.

So i would contact card issuer and get them to check with the department who deals with card processing to check it over.

khakilad

Many thanks for all the replies,

I've spoken to Amex and they say there is definitely no charges on the account.

I do intend to pay the restaurant as that is only fair, however don't want them to charge me twice as Amex are a pain in the neck to get money back off them due to it being a Charge Card.


Should I contact the restaurant and tell them I am going to wait until the end of the month when I get my statement, just to be one the safe side?

zenmaster

khakilad wrote: »

Should I contact the restaurant and tell them I am going to wait until the end of the month when I get my statement, just to be one the safe side?

I don't think that is at all unreasonable and I can't see that they would have any objections.

unholyangel

pcombo wrote: »

You cant get an authorization number unless funds have been authorized and available.

So i would contact card issuer and get them to check with the department who deals with card processing to check it over.

Not so sure about that. I can buy something with a debit card of mine with no funds available and THEN transfer the money into that account (i dont keep cash in it and only transfer in enough for what i'm buying) and i've received authorisation codes even with £0 balance and no overdraft.

Maybe i'm the exception rather than the rule but it does happen!

Fiddlestick

unholyangel wrote: »

Not so sure about that. I can buy something with a debit card of mine with no funds available and THEN transfer the money into that account (i dont keep cash in it and only transfer in enough for what i'm buying) and i've received authorisation codes even with £0 balance and no overdraft.

Maybe i'm the exception rather than the rule but it does happen!

Funds being available to the person presenting the authorisation code is not the same as funds being available for you to withdraw.

It's perfectly possible to obtain a valid authorisation code for a debit card when the bank account behind it has £0 balance.

unholyangel

Fiddlestick wrote: »

Funds being available to the person presenting the authorisation code is not the same as funds being available for you to withdraw.

It's perfectly possible to obtain a valid authorisation code for a debit card when the bank account behind it has £0 balance.

Which is my point. Authorisation code doesnt always mean the funds have been cleared and given to them.