Asda delivered; insufficient funds - what will they do?

ChancellorOfAndromeda

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.

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

Well actually, no. I've since notified the bank who are going to pursue the return of those DDs because they weren't supposed to be taken out now (hence why, upon their return, I'll be able to clear the ASDA sum or by January, whichever comes first).

halibut2209 wrote: »

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

Precisely so. Tesco and Sainsbury's manage well. I can remember only one instance where I had an online shopping issue (with Tesco) and they called me before the delivery slot and notified me that they couldn't take the full amount and therefore couldn't deliver. I had to use emergency funds in another account and THEN they delivered. On that occasion, ASDA on the other hand would have delivered first and then would have chased me up for payment.

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.

unholyangel wrote: »

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?

arcon5 wrote: »

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

Wow - good news guys (if you wanted to know - and I especially took the advice of goater78 in being "contrite").

I basically explained the situation to them and told them that I would only be able to pay in January and they said yes but that what may happen is that specific card may be rendered unusable until the payment is cleared which is perfectly fine by me as I was always intending to pay them as soon as possible.

That seems highly nice of them (although it of course is by no means recommended, it is an unofficial "buy now, pay later"). In any case, I shan't be making such a blunder again as the last few hours have been fairly anxious (I've been on and off the phone to them as they're very, very busy)!

halibut2209

This happened to me once, but the delivery just didn't turn up. I didn't realise that payment hadn't gone through until I rang ASDA to ask where the shopping was.

wealdroam

halibut2209 wrote: »

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

That's right, but Asda have done nothing wrong other than accept a higher risk than might be prudent these days.

Only now has the OP introduced the idea that the DDs may have been wrongly processed.
No mention of that in the original post.

ChancellorOfAndromeda

wealdroam wrote: »

That's right, but Asda have done nothing wrong other than accept a higher risk than might be prudent these days.

Only now has the OP introduced the idea that the DDs may have been wrongly processed.
No mention of that in the original post.

Yes, sorry - that was a fairly recent development. Originally, I would have been coming into a fair bit of cash in January and so would be able to pay ASDA (and wouldn't suffer then in terms of groceries as it was a £90 shop), but it turns out the DDs are for the wrong month and type (so I may be able to pay ASDA before Jan, but I've covered my back anyway by mentioning January).

Personally, and not trying to drag this out into a protracted discussion, I really do believe that ASDA should take a leaf out of Tesco's book - in fact, I plan on supplying a personal customer suggestion to their customer service; because such situations like these can be easily avoided regardless of who is at fault.

As I said earlier, had this been Tesco, I wouldn't have even got my shopping. It would have been a zero-tolerance "we weren't able to take the full amount, therefore no delivery".

I mean, what if I had been of a malevolent mind. What if I had ordered £200 worth of goods with full intention of not paying a dime and fleeing the country (highly unlikely, but certainly plausible). Tesco wouldn't allow it. ASDA would and then would send texts asking me to call them.

Lastly, whilst I fully appreciate ASDA's excellent goodwill (for that's exactly what it is - they've effectively given me an extra month to pay them), I personally wouldn't recommend online shopping with them for a number of reasons. Next time, I'll have to stick with Tesco or Sainsbury's. I'll only go with ASDA (because they are very cheap and economical) when I'm confident that I won't mess up like this time.

pelirocco

ChancellorOfAndromeda wrote: »

Well actually, no. I've since notified the bank who are going to pursue the return of those DDs because they weren't supposed to be taken out now (hence why, upon their return, I'll be able to clear the ASDA sum or by January, whichever comes first).



Precisely so. Tesco and Sainsbury's manage well. I can remember only one instance where I had an online shopping issue (with Tesco) and they called me before the delivery slot and notified me that they couldn't take the full amount and therefore couldn't deliver. I had to use emergency funds in another account and THEN they delivered. On that occasion, ASDA on the other hand would have delivered first and then would have chased me up for payment.

Didnt you say in your first post the DD's were overdue?

I am surprised Asda delivered without payment , I seem to recall several posts on here where they have apparently taken too much

peachyprice

ChancellorOfAndromeda wrote: »

Personally, and not trying to drag this out into a protracted discussion, I really do believe that ASDA should take a leaf out of Tesco's book - in fact, I plan on supplying a personal customer suggestion to their customer service; because such situations like these can be easily avoided regardless of who is at fault.

The problem is, in the past and certainly when I used Asda, they pre-authorised the whole estimated amount. However, I know they've got ALOT of grief for not releasing ringfenced pre-authorised payments when they process the actual order if it's a different amount, (particularly on Visa Electron cards) and emptying people's bank account for up to a week. It happened to me, I'll never grocery shop with them again because of it.

So, perhaps this only pre-authorising £1 is there inept way of dealing with that problem, but creating a whole new problem in itself.

dalesrider

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".

NO...
ALL of the stores you mention place a auth for a small amount to check the card is valid. They then place a further auth on the day the goods are dispatched for the full amount.
As they have no idea of the full price to be charged till all the goods have been picked and totalled up.
Same as when you do the shopping yourself....

I can see Asda forcing this through and causing you to incur bank charges.
I suggest you contact your bank and see if you can increase any O/D or get a loan to tide you over.

How can a DD be overdue????
They go out on set dates and as such you should have known of these.

Guardsman

Read posts 12 13 and 16

Valli

ChancellorOfAndromeda wrote: »

Lastly, whilst I fully appreciate ASDA's excellent goodwill (for that's exactly what it is - they've effectively given me an extra month to pay them), I personally wouldn't recommend online shopping with them for a number of reasons. Next time, I'll have to stick with Tesco or Sainsbury's. I'll only go with ASDA (because they are very cheap and economical) when I'm confident that I won't mess up like this time.

That's rather churlish of you, given that Asda delivered and aren't making a fuss that they haven't been paid.

I would have collected as much of the shopping as could have reasonably been resold (ie tinned, sealed goods) and returned it to the store, myself.
I once accidentally bought plain flour when I wanted self-raising, from Asda, and went back for the self-raising. I mentioned this to the SA as I was paying and she said they would have exchanged it, had I returned it!