Manual Slips

ldare2000

Hi,
I bought some wooden flooring from Floors2Go back in August and the systems were down so they used a manual credit card slip. I want to close the credit card account now but the transaction still hasn't been processed??? Is there a time limit like with a cheque before it becomes void?

Louis

grumbler

IIRC they have up to 6 months to take money without any notification, then up to 6 years to chase you.

CLAPTON

ldare2000 wrote: »

Hi,
I bought some wooden flooring from Floors2Go back in August and the systems were down so they used a manual credit card slip. I want to close the credit card account now but the transaction still hasn't been processed??? Is there a time limit like with a cheque before it becomes void?

Louis

you could phone then up and explain that you would prefer to pay with an alternative method

magpiecottage

CLAPTON wrote: »

you could phone then up and explain that you would prefer to pay with an alternative method

I wouldn't - the OP will lose S75 protection.

lindatrole

Better you call them, tell them the issues with that, Some of them may suggest the right way to go forward with that.

Hominu

magpiecottage wrote: »

I wouldn't - the OP will lose S75 protection.

Credit cards don't offer S75, the Consumer Credit Act does, so you don't need a credit card to get it.

grumbler

Hominu wrote: »

... so you don't need a credit card to get it.

What other realistic method of payment do you suggest in this case to get it then?

It's not that I think that anyone really needs s75 protection 2 months after buying some flooring.

jonesMUFCforever

Hominu wrote: »

Credit cards don't offer S75, the Consumer Credit Act does, so you don't need a credit card to get it.

You don't get the cover if you pay by cheque or cash so how do you advise OP pays?

IMO if OP closes the account (convenient??) then the card company would just re-open it if the transaction is processed just as they would with a CPA.

System

The bank may also refuse to honour the transaction as the authorisation code would be invalid and account would be closed.

If the OP wants to close the card account, I would just go ahead. If the flooring company wants payment, they will soon contact them.

jonesMUFCforever wrote: »

You don't get the cover if you pay by cheque or cash so how do you advise OP pays?

IMO if OP closes the account (convenient??) then the card company would just re-open it if the transaction is processed just as they would with a CPA.

ldare2000

Heng_Leng wrote: »

The bank may also refuse to honour the transaction as the authorisation code would be invalid and account would be closed.

If the OP wants to close the card account, I would just go ahead. If the flooring company wants payment, they will soon contact them.

The floor is down and I don't need protection now. I paid in August, I think I'll close the card and see what happens. Seems crazy Floors2Go aren't in a rush to draw the funds?

As the electronic credit card machine wasn't working the salesman selected cash on the till so I even wonder if they'll ever reconcile the till now?

Cheers
Louis

ldare2000

Money came out a few weeks ago :-(

However I thought it disgusting of Natwest to backdate to August and charge interest as I'd be unable to pay until now.