Help tescos have just ruin our Christmas!

Jevvers

This person is a newbie, people - be kind!
KCBeetle this IS an unusual situation and if I were you I would complain to Tesco HQ because, even though you do still have to pay the £300, there may be some discretion as to the time over which you have to pay it (I know it's a card payment not a loan but it doesn't hurt to ask). Good luck.

boiler_man

I sympathise with the OP as it is not a good time of year to such an unwelcome surprise. I also agree with the other comments in that when budgets are tight, you should keep track of outgoings and your bank balance.

It is unusual for a payment to take so long to come out, so when someone is not highly organised together with extra Christmas expenses hitting a bank balance, it is not surprising that some people would be caught out. I would try and negotiate with Tesco, pointing out that it is very unusual for them to delay the collection of the payment as they are usually so efficient and asking if as a gesture of goodwill the payment could be spread (maybe a small payment now with a larger one after the first 2012 pay packet).

warehouse

aliasojo wrote: »

Apologies. Clearly our advice should have been something along the lines of...

Nail on the head: Advice

Where's the advice in "I check my bank statements every day". It's lecturing, not advice.

kitschkitty

I don't mean to sound rude to the posters above who have suggested contacting Tesco and asking for a payment plan, spread out over time, but Tesco have the money now, there's no way they are going to give it back to the OP so she can give it back to them in installments.

As for the poster who thinks some of us are rude for politely pointing out that unfortunately the OP isn't going to be able to resolve this issue, (as it's already happened to her), and that we have to much time on our hands...

Some of us check our accounts very regularly (and online banking takes just a minute or 2 every day or so) BECAUSE either now or in the past we've been so skint that we've had to keep track of every penny in and out to avoid charges that we cannot pay off.

Sharing the benefit of your experience and promoting practices that have actually saved some of us from a debt black hole is giving advice.

I'm all for complaining to a bank or company when it's their fault, I've done it myself when my bank messed about with the date a payment was taken out, and took it out on the only day in the whole month that I didn't have enough funds in my account (even though I'd borrowed money from my mum to keep the account in credit) and recovered the charges levied as they recognized it was an anomaly, and fault on their side.

purple.sarah

I do feel bad for you but it is important to use this as a learning experience about budgeting to avoid problems in the future. I won't pretend to be perfect, I have had problems before with Tesco payments taken later than I expected but I accepted the issue arose because I didn't keep an eye on my balance and now I do or pay by cash. It is a bit unfair to say Tesco ruined your Christmas, they are not doing this to be a grinch but simply to claim payment for the product you bought. Sounds like it was an item rather than groceries so if you can't return it have you considered selling it on to see if you can make some money back for Christmas?

rising_from_the_ashes

warehouse wrote: »

God some of you are so up your own backsides it's a wonder anyone posts here anymore.

O.P. this is highly unusual and there are many of us "not so perfect" people who would have been caught out with this.

I'm sure it has happened to many of us (including me) .... but it's been our fault and no matter how annoying/upsetting etc it is, trying to blame the retailer when they're collecting a payment that we've made & now don't have the money to pay - isn't their fault.

Yup, it happened to me (for a stupidly small amount) - yes, it was my fault & yes, I was p'd off ..... and I learnt from it and have never done it again.

cutestkids wrote: »

I could mabey belive it for say £30.00 but not £300.00.

£300 is a lot of money and I don't see how anyone could have that much extra in their account and not think about where it had come from.



I took "card payment" to mean something like a debit transaction ie shopping etc therefore why on earth should Ts accept an installment plan!

dancingfairy

Sadly I suspect that many others have been caught out with their money situation - that's how a lot of people finally realise what a pickle they're in. Yes in the future it would be helpful for the OP to keep a closer eye on their finances but obviously it was a nasty shock for the OP and at this time of year as well.
While the sentiments may have been well meant perhaps they could have been worded a bit better.
df

Standingtall

Hi all. What an entertaining thread and I can appreciate the many differing viewpoints. I think part of the issue is that text does not always indicate the emotion, the inflection in one's voice. thus what is intended to be simply speedy advice or comments can instead come across as arrogance and lecturing.

What is worth thinking about, I believe, is the quality of online banking for tracking finances. I have a spreadsheet and I also have Natwest online banking. Before my DMP I banked with Santander.

With Santander debit card payment would not show up for days, even weeks on end. With Natwest it INSTANTLY shows as not available, leaving me with a balance and an available balance. So in the OPs case, if it was a debit card payment, it would have shown in the balance for 3 months but would to have been available for me to spend.

Whilst I know we all have to take responsibility for our own budgets I suspect around 50% of people do not. On this forum, through it's very nature, I suspect a highere proportion of people do - likely they would not visit this site if not. Therefore I would not feel to bad about your mistake OP ad you are one among many in the real world.

What is important is that you now learn from this. Good luck!

aliasojo

warehouse wrote: »

Nail on the head: Advice

Where's the advice in "I check my bank statements every day". It's lecturing, not advice.

No it's not. It's telling the OP what they in particular, do to avoid this situation.

I've read the thread again and the only reply that I can see that is maybe a bit 'off' is reply #4. The rest are factual and advisory.

I spend my life on this site moaning about how unfair people can be to posters and how they didn't have to be rude in their replies etc etc but I honestly don't see any those issues in this thread. All I see is folk sympathising to an extent but clearly pointing out the OP was the one at fault.

If you see something different then clearly that is down to interpretation more than anything else.

Anyway, regardless of all that, I do understand how this could pull the rug out from someone, especially at this time of year. It's very unfortunate.

KingElvis

Ah well, pay for your tat, learn from it and move on.