Asda delivered; insufficient funds - what will they do?

ChancellorOfAndromeda

OK, so long story short, overdue DDs came out of the account but ASDA had already delivered groceries. I called them up and they told me that the bank wasn't authorising payment and that I should contact the bank but I was adamant that cash was in the account (not knowing about the DDs).

So, those DDs have basically taken the money reserved for ASDA and I won't have anything until January.

Has anyone else had something similar happen - i.e. delivered groceries without payment?

What will ASDA do now? Will I have to return the products - rather, CAN I return the products?

Really need help!

Tigsteroonie

Lick all the food and then see if they want it back

(Apologies for facetious answer - I honestly don't know the sensible answer)

System

ChancellorOfAndromeda wrote: »

OK, so long story short, overdue DDs came out of the account but ASDA had already delivered groceries. I called them up and they told me that the bank wasn't authorising payment and that I should contact the bank but I was adamant that cash was in the account (not knowing about the DDs).

So, those DDs have basically taken the money reserved for ASDA and I won't have anything until January.

Has anyone else had something similar happen - i.e. delivered groceries without payment?

What will ASDA do now? Will I have to return the products - rather, CAN I return the products?

Really need help!

I doubt you will be able to return the groceries as I assume at least some of them are perishable.

Your best option is to just be honest. Tell them you are having money problems and won't be able to pay until January. You could maybe offer to send a post dated cheque for the amount?

Worse case scenario they will launch a civil case against you to try and claim the money back. I expect they won't though.

Going forward I would expect you find yourself on their blacklist and they won't be delivering to you again!

Guardsman

I thought that they waited for funds to be cleared before they delivered. I pay by card and it's authorised straight away but if no funds are available I presume the sale would not go ahead.

ChancellorOfAndromeda

Guardsman wrote: »

I thought that they waited for funds to be cleared before they delivered. I pay by card and it's authorised straight away but if no funds are available I presume the sale would not go ahead.

It's ridiculous! Whilst I fully accept that this entire situation is my fault, I also fully expect a competent business in online shopping to take payment before delivering goods to you (Tesco "holds" the funds, as do Sainsburys), but ASDA didn't hold the funds; they merely took 1p to check the account had "sufficient funds".

To save us all of the trouble, I would have expected them to cancel delivery before they delivered the blo0dy groceries to me! Now I've got £90 worth of groceries and haven't paid for it! It couldn't happen with Tesco or Sainsburys - how ridiculous can ASDA be! My authorisation should have been declined but because there was an odd few pence available in the account, it went through.

System

ChancellorOfAndromeda wrote: »

It's ridiculous! Whilst I fully accept that this entire situation is my fault, I also fully expect a competent business in online shopping to take payment before delivering goods to you (Tesco "holds" the funds, as do Sainsburys), but ASDA didn't hold the funds; they merely took 1p to check the account had "sufficient funds".

To save us all of the trouble, I would have expected them to cancel delivery before they delivered the blo0dy groceries to me! Now I've got £90 worth of groceries and haven't paid for it! It couldn't happen with Tesco or Sainsburys - how ridiculous can ASDA be! My authorisation should have been declined but because there was an odd few pence available in the account, it went through.

On the otherhand its probably better the Asda transaction failed as opposed to the DD's failing. I would imagine they would be more critical.

I would suggest you are contrite when you speak to Asda and don't attack them for their business practices.

unholyangel

They usually do a pre-authorisation for the amount of your order. This has lead to people thinking they were charged twice (as sometimes asda/tesco don't release the funds before taking actual payment).

So what might have happened is that they've checked and at the time, there has been enough. But when they've delivered, there hasnt.

Have you called back to speak to them to ask whether you can return the goods or pay at a later date explaining the problem?

ChancellorOfAndromeda

goater78 wrote: »

On the otherhand its probably better the Asda transaction failed as opposed to the DD's failing. I would imagine they would be more critical.

I would suggest you are contrite when you speak to Asda and don't attack them for their business practices.

Yes, cheers. I've since contacted them - they said the authorisation department is very busy and will have to give me a call back.

At the current moment, I haven't touched any of the food.

arcon5

I suspect they will keep trying to charge your card until payment has been taken.

They are highly unlikely to pursue civil action in the near future. But potentially send it to collections and potentially add fees to the debt - although unlikely to happen before jan when you can pay them

wealdroam

ChancellorOfAndromeda wrote: »

It's ridiculous! Whilst I fully accept that this entire situation is my fault, I also fully expect a competent business in online shopping to take payment before delivering goods to you (Tesco "holds" the funds, as do Sainsburys), but ASDA didn't hold the funds; they merely took 1p to check the account had "sufficient funds".

To save us all of the trouble, I would have expected them to cancel delivery before they delivered the blo0dy groceries to me! Now I've got £90 worth of groceries and haven't paid for it! It couldn't happen with Tesco or Sainsburys - how ridiculous can ASDA be! My authorisation should have been declined but because there was an odd few pence available in the account, it went through.

The only ridiculous thing that I can see is that you bought £90 worth of goods without having the means of paying for them.

As you say, it definitely is not Asda's fault that you 'overlooked' these DDs.

halibut2209

wealdroam wrote: »

The only ridiculous thing that I can see is that you bought £90 worth of goods without having the means of paying for them.

Maybe, but it's certainly not wise for a company to send out goods before payment is received