Payment Dilemma

Jimx26

Looksguywalker wrote: »

So are you hoping to get away with not paying? Again, if you noticed 6 months later they had taken the money twice would you let it go?

No, not at all. I fully expect to pay for it but my question was should I get in contact with the company or wait for them to realise their error. I didn't know it could be upto 6 years so if I haven't heard from them soon I will get in touch.

No I would't let it go, but I havent made the error.

Looksguywalker

Jimx26 wrote: »

No, not at all. I fully expect to pay for it but my question was should I get in contact with the company or wait for them to realise their error. I didn't know it could be upto 6 years so if I haven't heard from them soon I will get in touch.

No I would't let it go, but I havent made the error.

Neither have they yet.

Jimx26

So what is a realistic time I should leave it before contacting them?

Which should have been my original question really.

agrinnall

As it's a credit card there's no great need for you to do anything, if it had been a debit card then you would have needed to ensure the money was always in the account. The only thing you might have to worry about is if you use the credit card to buy something else and there isn't enough credit left on it when the payment request finally does come through - even then, that wouldn't be an issue for you, as you've already got what you bought.

My understanding is that while the retailer does have 6 years to claim the payment (it won't be governed by UK laws but I believe consumer legislation is pretty standard across the EU) generally the CC company won't accept the original transaction if it's more than 6 months old, and would require your consent to confirm the payment.

Looksguywalker

Jimx26 wrote: »

So what is a realistic time I should leave it before contacting them?

Which should have been my original question really.

Now...if it's bothering you. You may want to contact your credit card company first to see if it's pending. Can you do that online?

visidigi

Man some right attitude in this thread...totally unecessary.

OP,

Up to 6 years to take the money is correct in the UK (really can't be certain without further research if its different outside of the UK like this is.).

The company will likely contact you - in due course, if the non present transaction is declined (the pre-authorisation they have made would have expired by now).

If they haven't been in touch after 90 days then I would let them know...if you so wish.

Looksguywalker

visidigi wrote: »

Man some right attitude in this thread...totally unecessary.

OP,

Up to 6 years to take the money is correct in the UK (really can't be certain without further research if its different outside of the UK like this is.).

The company will likely contact you - in due course, if the non present transaction is declined (the pre-authorisation they have made would have expired by now).

If they haven't been in touch after 90 days then I would let them know...if you so wish.

It's a credit card transaction. The OP says so, I mentioned it. Are you wrong yet again?

visidigi

Looksguywalker wrote: »

It's a credit card transaction. The OP says so, I mentioned it. Are you wrong yet again?

Look - drop the attitude - the way you are speaking to people just just plain rude.

Credit card transaction? yes, whats your point?

When you use a credit card, the point of purchase is when the pre authorisation is made.

This reserves the amount on your card, be it a debit or credit card.

The retailer then has a period of time to take this authoraisation before it expires - this period is around 5 days on a debit card and up to 30 days on a credit card.

This has been 4 weeks, which I would say, unless I am like you, and wrong, around a couple of days from now, depending on the accuracy of the OP's 4 week comment.

If you don't beleive me, others have stated on here: http://en.wikipedia.org/wiki/Authorization_hold to the same effect.

Unless its everyone else whose wrong now...

Looksguywalker

visidigi wrote: »

Look - drop the attitude - the way you are speaking to people just just plain rude.

Credit card transaction? yes, whats your point?

When you use a credit card, the point of purchase is when the pre authorisation is made.

This reserves the amount on your card, be it a debit or credit card.

The retailer then has a period of time to take this authoraisation before it expires - this period is around 5 days on a debit card and up to 30 days on a credit card.

This has been 4 weeks, which I would say, unless I am like you, and wrong, around a couple of days from now, depending on the accuracy of the OP's 4 week comment.

If you don't beleive me, others have stated on here: http://en.wikipedia.org/wiki/Authorization_hold to the same effect.

Unless its everyone else whose wrong now...

Repeatedly wrong yet? I have debit card transactions take 7+ days after auth and 1 or 2 CC transactions 3 months later.

wiki as a ref.? Not clever.

visidigi

Looksguywalker wrote: »

Repeatedly wrong yet? I have debit card transactions take 7+ days after auth and 1 or 2 CC transactions 3 months later.

wiki as a ref.? Not clever.

Sigh - Wikipedia was a quick reference - if I have to spend more time on you (I really don't see why I should, you add nothing but rude comments and abuse people).

But here you go:

https://forums.moneysavingexpert.com/discussion/3383160
https://forums.moneysavingexpert.com/discussion/3841233

It varies by bank, it can be up to 30 days - if you had 3 months later then I would be questioning how as this is beyond the limit laid out by visa/master card unless of course it was a recurrent payment setup to circumvent the authorisation time limits.