duplicate visa debit card payment

Mikeyorks

Toe-Jam wrote: »

.... it is Halifax's mistake .....

As the problem is clearly spanning a number of Banks ....... how can it be Halifax' problem?

As post #3 it appears to be down to duplication via a single merchant acquirer. Up to them to initiate a recovery plan and communicate that to all the Banks.

JenniferF

Halifax told me it was a problem with transactions with Barclays are the merchant -so it could have happened to people with any bank - it was dependant on where you used your card, and how that retailer processes their transactions. HTH.

sonic2807

Thanks for the information everyone. I've also been told it's a Visa issue and I've been told from a different source it should be resolved within 24 hours. I've been on to Santander for 2 days trying to find out about my duplicate transactions. Trust me to have chosen 31st of all days to go and pay for a not particularly cheap, new car by debit card! Never felt comfortable doing it that way, doesn't seem right - too easy . . . I thought! It's taken me 6 calls to Santander, talking to 8 different people to get anywhere near the reason for the problem. They, similar to previous posts, suggested speaking to the car dealership as they blamed them. How does this chip and pin thing work again?! As it happens, the dealship gave me the reason for the problem before Santander could. At the moment, as far as Santander are concerned, I'm massively overdrawn while they try to hurry through a dispute claim that 'could take up to 28 days'. My bank account is effectively frozen due to the massive overdraft and they can't offer any advice to overcome this while the dispute goes through. Luckily for me it isn't my main account but I find it incredible they can leave someone in this sort of a position. It was the dealship that suggested this will be resolved within 24 hours so in the end it's probably not going to make a great deal of difference in the long run. My complaints to Santander won't be ending that quickly though!

Mini_JK

It's a nationwide problem affecting all types of credit and debit cards.

See the BBC story here: http://www.bbc.co.uk/news/business-12122210

It's a problem with Cardnet (Lloyds TSB). Lloyds said the retailers experienced a "system error" with wireless terminals used to deal with card payments. It's not related to who you bank with.

I just found my bank account has been suspended and several direct debits have been declined. I made a fairly big payment on 31st Dec (bought a secondhand car from a garage). I used my debit card and only this afternoon (5 days later!) found out that the the payment went through twice, now I'm over my overdraft limit and can't withdraw any more cash. It would have been nice if Lloyds had gone public to save the embarresment of having your cards frozen.

So watch out folks, if you bought anything at all over last weekend there's a chance you might have been charged twice - best to double check. I only noticed because it was such a big amount.

Theres a number to ring: 01268 567100, option 4 but all they are saying is 'they will reimburse you over the next few days!

If it causes you any bank charges (as I will definately have ) as a result of this then Cardnet will pay - but want written proof (bank statements)

NB: the duplicate payment went through a couple of days later, so keep checking.

Mikeyorks

Mini_JK wrote: »

I made a fairly big payment on 31st Dec (bought a secondhand car from a garage). I

There's usually a voice referral (of security questions) in such cases? And that should have negotiated around this problem?

Are you sure you have 2 x actual debits. As opposed to one debit and an equal amount witheld from your 'available'? As the latter (from other threads on here) seems to be a far too regular occurence with voice referrals.

sonic2807

I got a voice referral. The dealer original tried to put the full amount through for the car and it got rejected. He said that wasn't unusual for the size of the amount and started to put through 2 smaller amounts during which time I received the phone call. I was pretty impressed at the time as it was literally within 30 seconds. However, the message suggested the original amount had been authorised even though we had the paperwork in front of us that said it wasn't so I rang the bank immediately to check, seeing as we had by now put through the same amount as 2 smaller payments! They confirmed everything was OK. Yersterday I found that the 2 smaller payments had hit my account on 3rd and then the same 2 smaller payments had hit my account again on the 4th. Nothing to do with the original, rejected amount as this has never featured. When I first rang the bank they suggested the second 2 payments were being 'held'. They have since supposedly gone through to the dealer but they have confirmed they haven't and that other customers have had similar problems. This is a reputable dealer so I have no reason to doubt them. It's everything the bank's been telling me I doubt!

newsmonkey

Just spoken to Lloyds TSB Cardnet. It was indeed a problem with them, that is affecting customers of various banks.

The BBC article mentions a telephone helpline. The operators read out a set line: they say Lloyds is aware of the problem and is refunding everyone. The operator I spoke to said they were "inundated".

Despite the quote on the BBC about having to provide "reasonable and evidenced requests for reimbursement", this doesn't seem to be necessary. In theory we should see our money back automatically in the coming days.

[Deleted User]

damn
spent a fair bit on new years eve
seems never got duplicated statements

Mikeyorks

sonic2807 wrote: »

This is a reputable dealer so I have no reason to doubt them. It's everything the bank's been telling me I doubt!

The problem is that it's probably nothing to do with the dealer and all to do with their merchant acquirer. If that's Cardnet then you appear to be a victim of the general problem.

But I suspect it isn't and it's breaking the payment up and the voice referral (the call is from their merchant but who normally phrase questions prompted by your Bank) has caused it?

Mini_JK

Mikeyorks wrote: »

There's usually a voice referral (of security questions) in such cases? And that should have negotiated around this problem?

Are you sure you have 2 x actual debits. As opposed to one debit and an equal amount witheld from your 'available'? As the latter (from other threads on here) seems to be a far too regular occurence with voice referrals.

There wasn't a voice referral in my case, it went straight through on the card on a handheld wireless terminal. I just re-checked my online bank account and it is definately two seperate debits, two days apart for identical amounts.

I checked my bank account after the first amount was taken, just to be sure things were OK. What caught me out was helping themselves a couple of days later. I'm surprised that my bank (Nationwide) allowed them to take this amount which exceeded my overdraft limit. Since then they have declined 3 other direct debits, I'll get an answer to that tomorrow as Nationwide aren't answering their phones right now.

What I'm really peeved about is the length of time it's taken for Cardnet (Lloyds) to own up to this problem. They must have known and should have started to rectify it straight away. Advertising the problem would have helped, rather than let us discover it ourselves by finding our cards are declined at the most embarrasing moment.

Another PR disaster for Lloyds, but what do they care about customers, if they do anything wrong the taxpayer will step in and bail them out again :mad: