Tesco pay at pump for petrol

lilibet1

The whole point is they only take authorisation for one pound, therefore someone could have only two pounds in the bank and still fill up with fuel to the amount of 99.00! I have just checked this out. Hence someone earlier in the thread saying you can fill up if your skint! That's what imlost meant earlier. I was only repeating what he said. Maybe he will enlighten us by what he means later. Don't shoot the messenger please.

LincolnshireYokel

lilibet1 wrote: »

I'm-lost, I just wondered how you can fill up if you're skint, does it not take an authorisation for the amount of fuel you use? Surely someone could put 99.00 fuel in but not have the money in the bank or an overdraft to cover it? Seems strange to me. Any ideas?

correct.

A couple of years ago, you didnt even have to enter the card PIN, so people would stroll up with a stolen car, and fill it up with a stolen credit card, no problem

~Chameleon~

lilibet1 wrote: »

The whole point is they only take authorisation for one pound, therefore someone could have only two pounds in the bank and still fill up with fuel to the amount of 99.00! I have just checked this out. Hence someone earlier in the thread saying you can fill up if your skint! That's what imlost meant earlier. I was only repeating what he said. Maybe he will enlighten us by what he means later. Don't shoot the messenger please.

But as I said in my previous post, it's your responsibility to ensure there are sufficient funds available to pay for your purchases. I don't see how this is any different to anything else you would purchase with a debit card.

atrixblue.-MFR-.

some banks wont let you do it.

when i had a barclays debit card moons ago, if you had less than £5.00 it will bounce a £1.00 authorisation transaction as a declined.

lilibet1

Chameleon - I understand what you are saying, and that is not in dispute, I am just explaining things to yöu as i see them as per the op posts. I always make sure I use the cashier, as I don't like using the pump to pay.

Stephen_Leak

Another little tip with these automatic pumps, if you need a printed receipt. As soon as you hang the nozzle up, watch the display. You will get a choice of a receipt or not.

Don't, as I did at first, replace the filler cap first. The choice screen will time out without printing anything.

Some supermarkets, and some branches are better at keeping enough paper in the pumps than others. If not, they can print a receipt from the PC in that little shed.

ioscorpio

At Tesco you can put your card back in to get a receipt, or put it in another pump if the one you are using did not print one.

The_Groat_Counter

ioscorpio wrote: »

At Tesco you can put your card back in to get a receipt, or put it in another pump if the one you are using did not print one.

Though that didn't work for me the other day.

im-lost

lilibet1 wrote: »

I'm-lost, I just wondered how you can fill up if you're skint, does it not take an authorisation for the amount of fuel you use? Surely someone could put 99.00 fuel in but not have the money in the bank or an overdraft to cover it? Seems strange to me. Any ideas?

lilibet1 wrote: »

But any other purchase you make gets deducted from your available balance so that way you always know where you are. I'm glad that I haven't been caught out by it otherwise I don't know what would happen, I don't have an available overdraft and the bank might not let them take the money if it's not in the account. Seems very strange way of doing things to me.

lilibet1 wrote: »

Oh yes, just seen it says cc wealdrom... Silly me. I was thinking it was odd that it would let it happen with a normal bank card lol. Otherwise people could be filling up lorries with fuel and driving off only paying a pound.....

Just to clear it up.. I don't have a credit card..

with HSBC, santander and RBS, probably others too, but I only bank with them, they just do an authorisation for
a quid, the bank or tesco allows a certain pump amount to be authorised, even if
you havent got the funds in your account to cover it, ive had the display on the pump show anything from £20 to £99 which I believe is the highest amount you can pump at a given time, how tesco comes to this sum I dont know, but they will let you have it even if your debit card only had a quid on it, or even if the quid authorisation makes you go in to an unauthorised overdraft.

As long as they get the £1 authorisation you can put whatever the pump says you're allowed, so in theory you could pump £99 whilst having a completely empty bank account, because a lot of accounts let you go overdrawn by £10 for free, so you don't even need the quid to get the authorisation.

I have no planned overdraft and fill up quite often when the bank is empty, or only has a few quid in it.

The bank, should honour the payment even if it makes you go stupidly overdrawn, with an unauthorised overdraft, they must have some agreement with Tesco, if the bank reclaims or doesnt honour the payment, tesco will either write to you, asking you to settle up or send the plod around and will try to process it as a theft or something although its just a civil debt

So yes, you can fill your tank up at Tesco pay at pump when you only have a quid or less in your account, on a bog standard account, no overdraft facilities, no credit cards etc etc im not sure about other pay at pump facilities because we only have a Tesco close by.

If you do it, then just make sure you deposit the funds within a few days, because that is when it gets settled, I wouldn't like people to get bank fees from doing it.

Try it next time you go, use a card with just a quid on it, just have a spare incase it does get declined, but ive never had it happen.

Its different to an instore purchase when you haven't got any funds on your account, instore the full authosisation is often checked live, at the pump only the initial card check is done.

After all, at the pump they have your card details, address, the fact you've used your pin, they have you being a grump on candid camera, they have your registration number etc so they have a lot of 'proof' when it comes to following it up should your ban decline the full amount a few days after.

lilibet1

Thanks for explaining that, I think it's wrong that they don't take off the amount from your available balance IMO as it gets confusing. And of course it could make you go overdrawn. X