cashback from morrisons

spaceman5

just an update, i checked my online banking last night and the morrisons transaction was still showing as £5.56, woke up this morning to find the same transaction has now become £45.56, so they did infact track down the missing £40, it did push me £9 over in my account, stupid really as i had money to cover it in a e savings account, went into natwest this morning who cant tell me if i will get a fine or not, but did say if i do it will only be £6, live and learn i suppose

laurenzo_2

sorry but since you knew there was a strong possibility they would try to take this from you, why did you not leave the funds in your bank ac?

sevenpounds03

laurenzo wrote: »

sorry but since you knew there was a strong possibility they would try to take this from you, why did you not leave the funds in your bank ac?

cos he's a SPACEMAN

MorrisonsEmployee

Even prior to the pegasus system being implemented in Morrisons it was easy to trace errors such as the above, Its now even easier with the new system and errors are easily rectified.

pqrdef

spaceman5 wrote: »

just an update, i checked my online banking last night and the morrisons transaction was still showing as £5.56, woke up this morning to find the same transaction has now become £45.56

Complain to the bank that your account has been debited without your authorisation. Find out how this is possible, because it's not supposed to be.

opinions4u

pqrdef wrote: »

Complain to the bank that your account has been debited without your authorisation. Find out how this is possible, because it's not supposed to be.

While Morrisons haven't been too bright, I hardly think complaining is a good idea.

"Hi, I got £40 for nothing and thought I was going to get away with it - please can I complain that they've now debited my account" is hardly a good spiel.

When making such a complaint you basically have to admit to that little dishonest streak that is in most of us. Personally I wouldn't want to do that formally.

And what do you want the bank to do? The debit to the account may not have been authorised by chip and pin, but the cashback was certainly requested. So while it may be poor process, it certainly isn't fraud. On the few occasions I've ever asked for cashback, the supermarket has also asked me to initial the receipt to confirm I've had the money. This could also be deemed to be the authority.

If any action is needed here it's a letter to the Morrisons store highlighting the two debits made and any bank charges generated as a result of the second one. A request to refund those charges may be met more sympathetically.

Dave101t

i always thought the amount on the pin machines screen was full and final, but as cashback is a seperate transaction, it seems that alls well that ends well.
i like morrisons, slightly old fashioned, but gets there in the end!

pqrdef

opinions4u wrote: »

"Hi, I got £40 for nothing and thought I was going to get away with it - please can I complain that they've now debited my account" is hardly a good spiel.

I wasn't proposing trying anything on. But the issue of principle is that people have to know what they're "signing". It's like, I buy some stuff and write a cheque for the wrong amount. After I've gone, the shop corrects the cheque. Even though I owe the money, they aren't supposed to alter the cheque. And the bank certainly isn't supposed to connive at it by accepting a plainly altered cheque. Not even if the shop produces the till receipt.

When banks start working fiddles on behalf of merchants, relationships are getting too cosy and the customers will lose in the end.

opinions4u

pqrdef wrote: »

I wasn't proposing trying anything on. But the issue of principle is that people have to know what they're "signing". It's like, I buy some stuff and write a cheque for the wrong amount. After I've gone, the shop corrects the cheque. Even though I owe the money, they aren't supposed to alter the cheque. And the bank certainly isn't supposed to connive at it by accepting a plainly altered cheque. Not even if the shop produces the till receipt.

When banks start working fiddles on behalf of merchants, relationships are getting too cosy and the customers will lose in the end.

The bank isn't involved in the "fiddle" in any way. They have simply honoured their contractual arrangement with Morrisons to make the payment.

If the OP was to involve the bank in a complaint he would look like a complete knob.

Any issue is with Morrisons, and even there it's likely that there is an initialled till receipt to confirm receipt of the £40.

The OP could pursue this on the basis "I never had the £40" in order to try to get a refund. But that strategy runs the risk of the fraud finger being pointed back at him.

He had the cash. His account's been debited. That's the end of it.

pqrdef

opinions4u wrote: »

The bank isn't involved in the "fiddle" in any way.

On reflection I think you're right. What it comes down to is this. Before chip & pin, there would be a piece of paper carrying your signature attached to a specific amount of money, as evidence of what you thought you were paying. With chip & pin, there is no such evidence. The system relies entirely on the retailer claiming the right amount. The display of an amount on the chip & pin reader is just smoke and mirrors - anybody assuming that he's authorising that specific amount is only deluding himself. The retailer may take more and the customer will be wasting his breath complaining.

opinions4u wrote: »

Any issue is with Morrisons, and even there it's likely that there is an initialled till receipt to confirm receipt of the £40.

The new system at Morrisons dispenses with the initials by collecting the acknowledgement electronically on the chip & pin reader - which in this case is exactly what it failed to do.