Weird issue with payments on 24th

slugger09

I'm with Santander, I made to card payments on 24th, 1 for £40 to talk talk, 1 for £20 to Orange, payments got to of my available balance there and then and I thought no more of it.

Yesterday I received £60 refunded to my account with no explanation, I phoned Santander who looked through authorisations and told me that both payments got approved but had been unclaimed, I contacted both talk talk and Orange who inform me both have been paid.

Any idea what's went wrong? Santander tell me both payments have now not been taken of my balance.

opinions4u

I've highlighted the likely explanation as to the source of the problem.

slugger09 wrote: »

I'm with Santander, I made to card payments on 24th, 1 for £40 to talk talk, 1 for £20 to Orange, payments got to of my available balance there and then and I thought no more of it.

Yesterday I received £60 refunded to my account with no explanation, I phoned Santander who looked through authorisations and told me that both payments got approved but had been unclaimed, I contacted both talk talk and Orange who inform me both have been paid.

Any idea what's went wrong? Santander tell me both payments have now not been taken of my balance.

bengal-stripe

slugger09 wrote: »

........payments got to of my available balance there and then and I thought no more of it.

Yesterday I received £60 refunded to my account with no explanation, I phoned Santander who looked through authorisations and told me that both payments got approved but had been unclaimed, I contacted both talk talk and Orange who inform me both have been paid.

If you pay by debit card, once the payment got approved it will get taken from your available balance immediately (the payment is reserved or ear-marked) and gets properly booked when presented some two or so days later, then the sum comes out of the (proper) balance.

Sometimes debits are presented late. After four or six days, if the monies are not called in, the ear-mark will fall off reverting to the previous available balance. This has happened in your case, due to the very long Christmas break.

I do not think you have been given a “refund”, the ear-mark in the available balance has fallen off. Don’t worry, it will be booked tomorrow. These things do turn up.

No need for Santander bashing.

sharpy2010

opinions4u wrote: »

I've highlighted the likely explanation as to the source of the problem.

Hahahaha that made me laugh!!

Mikeyorks

bengal-stripe wrote: »

No need for Santander bashing.

Your explanation is fully on the mark. But as the Bank have returned the money to available after just one full working day ............ you surely wouldn't want to give them much credit?

simax

bengal-stripe wrote: »

No need for Santander bashing.

Agreed. Uncalled for.

realaledrinker

simax wrote: »

Agreed. Uncalled for.

Disagree. Obviously another thing they didn't test before going live with their new system.

zppp

realaledrinker wrote: »

Disagree. Obviously another thing they didn't test before going live with their new system.

What didn't they test? :think:

[Deleted User]

santander debits are late sometimes despite companies confirming it :S