Lloyds TSB and a Visa Debit Transaction

piemaeu

Hi I'm hoping someone can help me!

On Tuesday I paid my Barclaycard bill online with my visa debit card and then later that evening I checked my Lloyds online banking and it showed that the money was taken from the available funds.

So on Wednesday I checked my online banking again only to see that my available funds was the same as before the Barclaycard bill was paid.

I called Lloyds shortly after and they told me that they couldn't find the transaction on their system at all.

So today I've checked the online banking and the funds still show as available however on the Barclaycard website it shows that the bill has been paid.

I'm really confused so I'm just wondering if this has happened to anyone else or if anyone knows what might be going on.

Thanks in advance!!!

piemaeu

It's gone out now sorry for my panic!

pqrdef

Doesn't surprise me at all. With Barclaycard, so far as I can see, there's the real system which does the transactions, and there's the website, which lives in a world of its own and is hardly on speaking terms with the real system.

The website does its own sums, and sometimes gets them wrong because its arithmetic is buggy. And it doesn't have a clue whether a DD will be taken, so it just gives you its best guess.

My guess would be that the website gets a pre-authorisation on your debit card just to check, and then automatically cancels it a day later without knowing whether a payment's been taken yet or not. The real system probably never sees the authorisation code. It doesn't care if the payment guarantee is cancelled and you spend the money - that will be your fault and you'll pay for it with a late fee.