On-line purchase - payment in limbo!

SevenOfNine

Not really my problem but maybe someone can make a suggestion.

Traveller's cheques from Sainsbury were being purchased on-line, at the end of the transaction it said 'unsuccessful'......but the money has gone from the bank a/c.

Both sides say they haven't got it - so what can be done (in a hurry)?

dunstonh

When you do a debit card transaction, it initially earmarks the money against your account. That earmark is not the actual transaction. An earmark can be made and will automatically expire in around 3 days time.

nothing can be done in a hurry. Whilst branches do have the ability to remove an earmark, they typically do not do so on a routine basis. They just let them drop off naturally. You could put your position to the account manager who may add a temporary overdraft facility. That would increase your cleared funds whilst you never go overdrawn as the first transaction failed.

Wywth

SevenOfNine wrote: »

Not really my problem but maybe someone can make a suggestion.

Traveller's cheques from Sainsbury were being purchased on-line, at the end of the transaction it said 'unsuccessful'......but the money has gone from the bank a/c.

Both sides say they haven't got it - so what can be done (in a hurry)?

When you say the money has gone from the bank account, is there an actual transaction showing the debit?

If so, the bank should be able to confirm where its gone.

Or are you saying just the available balance has decreased by the amount of the failed transaction?

If so, as previous poster explains above