Tesco taken my money and wont refund me!

hmfc

I have been shopping with tesco for as long as I can remember and have never had any bother. Today was just a normal day. I went to the Tesco cash machine, checked my balance and took a few quid out to do me for the day. I went to the tesco garage and filled the car up, went in to pay for it using my card and the teller told me it hadnt worked, she tried my card several times and then asked me to make an alternative method of payment, I reluctantly gave her the cash instead. Went and checked the bank machine 5 minutes later and it confirmed that my balance had been wiped out!!! I called the bank who confirmed tesco had in fact taken the money from my account!!! So I went to the garage who did not believe me and said there must be a problem with my funds....NOT THE CASE! I went to the main store to speak with a duty manager who told me if the money has been taken it will go to a "ghost acc" and said dont worry, we havent got the money, it will come back to you eventually! Em, who has my money then coz I aint got it?" She said go to the bank and get proof, so i drove all the way to the bank in the town to get the proof, and took the proof back to tesco. I provided them with all the proof the bank gave me and tesco STILL wouldnt give me my money back! I advised them that I needed to buy nappies and wipes and food for my daughter and that I wasnt leaving til I had my money back. Duty manager did her job and called head office, head office told her that they were to give me NOTHING and that i would have to call the store in the morning to find out if the payment was showing on the tesco system. The bank even said if tesco sent a quick fax to ask them to cancel the transaction then the bank would sort out their mess! But tesco said they didnt have a fax machine!!!!!!!!!!
In mean time I have had to call every family member I know to lend me money so my baby doesnt go without! Thanks alot Tesco!!!! Every little helps.........not today obviously!:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

mattyprice4004

It's not Tesco's fault. It's the merchant - sometimes a 'ghost' authorisation does appear and can suspend your available balance if the ghost authorisation is large enough.

Tesco will probably want to leave it to the merchant to sort out - after all Tesco haven't got your money.

You're just going to have to wait for the money to clear back, which is usually 3-5 days. A pain I know, but such is life.

Labmanager

hmfc wrote: »

I have been shopping with tesco for as long as I can remember and have never had any bother. Today was just a normal day. I went to the Tesco cash machine, checked my balance and took a few quid out to do me for the day. I went to the tesco garage and filled the car up, went in to pay for it using my card and the teller told me it hadnt worked, she tried my card several times and then asked me to make an alternative method of payment, I reluctantly gave her the cash instead. Went and checked the bank machine 5 minutes later and it confirmed that my balance had been wiped out!!! I called the bank who confirmed tesco had in fact taken the money from my account!!! So I went to the garage who did not believe me and said there must be a problem with my funds....NOT THE CASE! I went to the main store to speak with a duty manager who told me if the money has been taken it will go to a "ghost acc" and said dont worry, we havent got the money, it will come back to you eventually! Em, who has my money then coz I aint got it?" She said go to the bank and get proof, so i drove all the way to the bank in the town to get the proof, and took the proof back to tesco. I provided them with all the proof the bank gave me and tesco STILL wouldnt give me my money back! I advised them that I needed to buy nappies and wipes and food for my daughter and that I wasnt leaving til I had my money back. Duty manager did her job and called head office, head office told her that they were to give me NOTHING and that i would have to call the store in the morning to find out if the payment was showing on the tesco system. The bank even said if tesco sent a quick fax to ask them to cancel the transaction then the bank would sort out their mess! But tesco said they didnt have a fax machine!!!!!!!!!!
In mean time I have had to call every family member I know to lend me money so my baby doesnt go without! Thanks alot Tesco!!!! Every little helps.........not today obviously!:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

Your poor baby.

If_it_can_go_wrong

mattyprice4004 wrote: »

It's not Tesco's fault. It's the merchant - sometimes a 'ghost' authorisation does appear and can suspend your available balance if the ghost authorisation is large enough.

Tesco will probably want to leave it to the merchant to sort out - after all Tesco haven't got your money.

You're just going to have to wait for the money to clear back, which is usually 3-5 days. A pain I know, but such is life.

Tesco is the merchant and they have crippled their customer financially. Sadly this is all too common now but the "such is life " attitude helps it to continue.

The op has every right to be furious.

vuvuzela

If_it_can_go_wrong wrote: »

Tesco is the merchant and they have crippled their customer financially. Sadly this is all too common now but the "such is life " attitude helps it to continue.

The op has every right to be furious.

By merchant, he means the merchant bank that process transactions. Not Tesco.

Azari

vuvuzela wrote: »

By merchant, he means the merchant bank that process transactions. Not Tesco.

Then he's using entirely the wrong terminology.

The banks with which we have everyday accounts are clearing banks, not merchant banks.

When we talk about the 'merchant' in consumer transactions we are talking about the person we are dealing with to purchase goods or services, not the bank that handles the transaction.

molerat

No, he used the correct terminology. It is the merchant, short for merchant aquirer, who has probably caused this.

http://www.howbankswork.com/13-1.html

Azari

molerat wrote: »

No, he used the correct terminology. It is the merchant, short for merchant aquirer, who has probably caused this.

http://www.howbankswork.com/13-1.html

That's what I said.

The comment about incorrect terminology was in response to this: "By merchant, he means the merchant bank that process transactions. Not Tesco."

molerat

No, you said

When we talk about the 'merchant' in consumer transactions we are talking about the person we are dealing with to purchase goods or services, not the bank that handles the transaction.

The main point is that Tesco probably did not screw up and Tesco have not got the OP's money. It is still where it was all the time, in their bank account just not available to spend.

MeanParent

nikkic9096 wrote: »

this also happpened to me jus today - i checked my local cash machine b4 visitin tesco to check wat money i had , went to tesco, got my shopping, got to checkout, the norm was done scanned an bagged - then i put in my card an cashier said never worked, 3 times she done this b4 asking for another payment method, 3rd time however it did say transactrion completed but couldnt have fully as never got receipt, so she cancelled stuff an i went to cash machine to find the 43-00 i had spent had come off, bank would only allow me to draw out 30, so i left that in an went bk to cashier an said i would jus take the nappies, i also have a 9 month old an 6 yr old, so i spent 7-57 in total left the shop checked machine wen i got near home to find more money had come out, they had taken the 7-57 twice,so i riing the bank an find all 3 transactions have been authorised, rang tesco they jus told me to go bk to the store, which i did an now they wont do anyting til monday now as they ahve to wait 24 hrs but as its sun tomoro will now b monday,its safe to say im absolutely fuming about this an they didint seem to care that they had taken the last of my money an that iv 2 kids to feed, im jus glad i didnt need baby milk or else she would b !!!!!!ed, so come monday im marchin bk down to hopefully get it sorted :mad::mad::mad::mad::mad::mad::mad:

Please don't use text speak as it makes posts very difficult to read!

marywooyeah

Labmanager wrote: »

Your poor baby.

that sarcastic comment is quite offensive. the OP was in financial dire straits due to (tesco/merchant/merchant acquirer/whoever) but not due to her own volition, causing her stress and hassle and having to go to the bank to get proof when she's done nothing wrong, then had to ask round for help for nappies and wipes due to this situation. I'm not suprised she feels so angry.