Barclays been a pain

Sempron

Hi all,

Quite a long story but appreciate your responce and time.

So about 3 weeks ago i purchased a TV online from Play.com,It was stated as "In stock" but after about a week i was not getting any confirmation that is on its way so i phoned Play.com and they told me it was out of stock and they dont know when it was going to be back in stock,So i swiftly cancelled the order.

Then went to Amazon and purchased the same TV,got it a few days later and thought nothing of it.

Then yesturday recieved my mail and got a letter from Barclays explaining that there was "Insufficient available cleared funds" in my account!

So i was stright on the phone to Barclays asking why they have sent me this letter when i did have the funds in the account.

They said its because my money was put into the banks holding account for the first TV transaction i made (Play.com).

But i told them that i cancelled it and they said yes we know because Play,com has not taken/claimed the payment.

So i said okay..why are you saying i have "Insufficient available cleared funds" in my account when barclays are holding my money.

He then said that after 10 working days of the first transaction (play.com) if the company does not claim the payment (which they wont) then the money will be put back into my account.

But the thing is,The bank now wants to charge me £8 because of having "Insufficient available cleared funds" in the account even though it was not my fault.

I also cannot understand why Barclays made the payment if i did not have the funds in there or so they say!

i talked to a manager at barclays about this,and said why should i have to pay £8 when its not my fault and hes noted it all down and said i should recieve a letter soon with the outcome if i have to pay it or not...what a joke.

How can barclays get away with this?

Gromitt

I can understand Play.com reserving the payment, but I can't understand how you managed to purchase something that would have exceeded the credit limit on your card.

Unless of course its a debit card, then its entirely possible and I'm suprised the fees are not much higher.

Sempron

Gromitt wrote: »

I can understand Play.com reserving the payment, but I can't understand how you managed to purchase something that would have exceeded the credit limit on your card.

Unless of course its a debit card, then its entirely possible and I'm suprised the fees are not much higher.

Hi,

No i think your mis-understanding me,Play.com are not reserving the money its the bank (Barclays) are in their "Holding account",and they want to charge me £8 for it. :cool:

System

Check your terms and conditions for how your payment method works.

I think you will find that Barclays have done exactly what it says on the tin, so nothing wrong with reserving the funds based on the Play.com purchase reservation. To release the funds sooner, Play.com would need to inform Barclays, officially, that the order is cancelled so removing the reservation (AFAIK)

tagq2

If you have online banking, the amount reserved may be reflected in the difference between the "available" amount and the ledger balance, accounting for authorised overdraft and assuming no other pending transactions.

An authorisation which reduces balance will fall off after a few days, at which point you should be able to assume the money is accessible providing you have cancelled any related order. Active cancellation of an authorised amount when you cancel an order, unlike the initial authorisation, is not certain and is certainly not immediate.

You may need to read bank and merchant T&C to see exactly what happens. If it's unclear, you could probably make your case to the bank and win a refund if nothing like this has happened before - as always, evidential rather than emotional.

Sempron

Just to update the thread,They now sorted the problem out!

Now is just to wait if they send me a bill for it...i know where they can shove that if they do.

withabix

This is Play.com's fault, not Barclays.

Play.com failed to actively cancel the transaction.

Sempron

withabix wrote: »

This is Play.com's fault, not Barclays.

Play.com failed to actively cancel the transaction.

Maybe,So where do i stand if they do charge me?
Again its not my fault!...not pay paying for someone elses mess-ups!