Midland Rail / Nationwide Bank - payment 'failed' yet funds taken.

aldredd

Been trying to book train tickets for a day out tomorrow. Payment came up as failed so tried again - same happened. Logged onto bank, and the money has already been deducted / 'held' from the account.
The train company aren't interested - 'not their problem', and bank's phonelines are closed until Tuesday - ridiculous. :mad:

peter_the_piper

How on earth can it not be the rail companies fault? The bank can't know you owe the rail company the money if their system has not asked for it. unless the banks crystal ball is working overtime.

aldredd

they're basically saying that the bank 'declined' the transaction (as far as their (rail companies) system is concerned) - yet the funds have been deducted from the available balance - they reckon the funds are 'on hold' and will be released within a few days - but not being able to speak to anyone at the bank is just a pain!

aldredd

well, full credit due to the rail company - they've sorted us out with new tickets leaving us to just contact the bank re payments already 'taken' - good turnaround in service from them - wish same could be said for the bank - days without being able to contact anyone is just daft.

stclair

The pre authorisation will fall off in a few days.

The bank will not act on it unless they have confirmation from the retailer the transaction is not genuine.

aldredd

thanks - god knows why they did a 'pre authorisation' but didn't actually authorise the payment - twice!

Jeff_Bridges_hair

aldredd wrote: »

The train company aren't interested - 'not their problem', and bank's phonelines are closed until Tuesday - ridiculous. :mad:

aldredd wrote: »

well, full credit due to the rail company - they've sorted us out with new tickets .

Amazing how this mysterious company 'Midland Rail' went from zero's to hero's so late at night.

aldredd

Jeff_Bridges_hair wrote: »

Amazing how this mysterious company 'Midland Rail' went from zero's to hero's so late at night.

My apologies if I'm mis-reading your post & you are indeed being sincere, but incase you weren't, here is the twitter conversation between us - of course doesn't show the additional messages sent privately, but you get the gist.


http://bettween.com/aldredd/londonmidland
(can take a while for that page to fully load)

I got the company wrong - it's 'London Midland' - a huge rail company handling 1300 services a day
http://www.londonmidland.com/

Jeff_Bridges_hair

Im at a hot desk so cant read much but ill take your word for it..

glad we got to know which company it was as there is also East Midlands trains too.