Time for funds to go back onto account?

rich_shot2003

I used my debit card on Thursday to buy train tickets with south west trains and they have taken the sum for the tickets but also the same sum again which i take it is to check you have the funds in the account so am i right in that it takes 7 days for it to go back onto the account?

now does the bank holidays make it any longer or will it still be the 7 days?

i bank with halifax and now i have a - balance and now am worried that i will get a bank fee for the account having a - when its not my fault.

jonesMUFCforever

Did you buy online or at a station?
Have both transactions actaually debited from your account?

rich_shot2003

jonesMUFCforever wrote: »

Did you buy online or at a station?
Have both transactions actaually debited from your account?

Did it online.

1 has been debited from my account but the other for the same sum is pending on my account.

I rang the bank and they say nothing they can do and rang the trainline and they say they have only taken the 1 sum.

jonesMUFCforever

In that case you have to wait for the transaction to drop off the system.
Personally I always use a credit card for online transactions - this leaves my current account funds free in case of need.

fozmcfc

This is a regular occurance from many companies. Even though the second amount doesn't leave the account it is unavaiable.

I remember a while back a post that it took 7 days or more for the money to be recognised as being availalble for them to use, leaving them without money they needed for shopping/bills.

With the Bank Holidays it might take longer than usual sadly, but could be back by Tuesday if you are fortunate.

rich_shot2003

Well not gone back on yet now its been a week.

Does anyone know what kind of day it could go back on given the bank holidays since last tuesday?