Debit Card payment declined

Jenny001

I had a debit card payment due to go out on the 20th Nov for £22 but it was declined as not enough funds. However I had a few hundred pounds go in on the same day( I was expecting it on the 19th/20th and it went in on the 20th ) so it should not have been declined. I complained to the bank who said that the card payment was asked for at 01.40am and my money did not go in till 02.40am when the system updated. My complaint is that their system knew that money was coming in and yet they still declined it and then charged me. I think this is unfair because if they had updated the system at 12am as some banks do the money would have been in and my card payment would have been paid . The money that went in was initiated a few days before so had been sat in their system. :mad:

Aquamania

Jenny001 wrote: »

I had a debit card payment due to go out on the 20th Nov for £22 but it was declined as not enough funds. However I had a few hundred pounds go in on the same day( I was expecting it on the 19th/20th and it went in on the 20th ) so it should not have been declined. I complained to the bank who said that the card payment was asked for at 01.40am and my money did not go in till 02.40am when the system updated. My complaint is that their system knew that money was coming in and yet they still declined it and then charged me. I think this is unfair because if they had updated the system at 12am as some banks do the money would have been in and my card payment would have been paid . The money that went in was initiated a few days before so had been sat in their system. :mad:

How did they know the money was coming in before it did? Do they have access to a Tardis?

opinions4u

Jenny001 wrote: »

I had a debit card payment due to go out on the 20th Nov for £22 but it was declined as not enough funds. However I had a few hundred pounds go in on the same day( I was expecting it on the 19th/20th and it went in on the 20th ) so it should not have been declined. I complained to the bank who said that the card payment was asked for at 01.40am and my money did not go in till 02.40am when the system updated. My complaint is that their system knew that money was coming in and yet they still declined it and then charged me. I think this is unfair because if they had updated the system at 12am as some banks do the money would have been in and my card payment would have been paid . The money that went in was initiated a few days before so had been sat in their system. :mad:

Don't be so silly.

If the money isn't there until 2.40am, you shouldn't be trying to spend it before it's arrived.

Hominu

Jenny001 wrote: »

the card payment was asked for at 01.40am and my money did not go in till 02.40am when the system updated. My complaint is that their system knew that money was coming in and yet they still declined it and then charged me.

It might have "known" about the payment, but clearly the payment hadn't cleared your account at that point so you still attempted to spend money you didn't have. If you want to do this in the future then you need an overdraft.

Likewise, the bank doesn't allow me to spend my salary on the 24th when I don't get paid until the 25th!

Poppops

Jenny001 wrote: »

I had a debit card payment due to go out on the 20th Nov for £22 but it was declined as not enough funds. However I had a few hundred pounds go in on the same day( I was expecting it on the 19th/20th and it went in on the 20th ) so it should not have been declined. I complained to the bank who said that the card payment was asked for at 01.40am and my money did not go in till 02.40am when the system updated. My complaint is that their system knew that money was coming in and yet they still declined it and then charged me. I think this is unfair because if they had updated the system at 12am as some banks do the money would have been in and my card payment would have been paid . The money that went in was initiated a few days before so had been sat in their system. :mad:

I think you're right to think it's unfair, and my branch told me they do too when this happens. When you look at pending transactions on online banking, it isn't clear that a direct debit may be taken hours or minutes before a payment is credited if both are due on the same day. It looks, to all intents and purposes, although the credit will cover the debit. What you need to do in this circumstance is ring the bank and ask them to confirm the debit has been processed. If it hasn't, because the initial decision not to pay the debit is probably made by a computer looking only at the current balance at the exact time the debit is applied for, then a real person at the bank can process this for you on that day.

opinions4u

Poppops wrote: »

I think you're right to think it's unfair, and my branch told me they do too when this happens. When you look at pending transactions on online banking, it isn't clear that a direct debit may be taken hours or minutes before a payment is credited if both are due on the same day. It looks, to all intents and purposes, although the credit will cover the debit. What you need to do in this circumstance is ring the bank and ask them to confirm the debit has been processed. If it hasn't, because the initial decision not to pay the debit is probably made by a computer looking only at the current balance at the exact time the debit is applied for, then a real person at the bank can process this for you on that day.

Are you proposing a banking system whereby every transaction gets checked by human eyes before being paid or declined?

nonnatus

It's a COMPUTER that makes the decisions, not a hooman!!! Of course it's not going to take all the other circumstances into account - if the money is not there, it won't get paid, doesn't matter if it's a day early or a couple of minutes. Good Grief.


It was up to YOU to contact the taker of the £22 DD and ask them to maybe take it a little later this month. It's NOT your Bank's business to manage your Account for you....

Hominu

opinions4u wrote: »

Are you proposing a banking system whereby every transaction gets checked by human eyes before being paid or declined?

Thinking about it another way, it would give thousands of people jobs

molerat

Hominu wrote: »

Thinking about it another way, it would give thousands of people jobs

I will stick with the current system of my bank giving me money for banking with them thanks - someone is going to have to pay their wages and I don't want it to be me

Archi_Bald

Hominu wrote: »

Thinking about it another way, it would give thousands of people jobs

Yayyyyyh! And there would be thousands of different, new, opportunities for those people to make all sorts of errors, and then even more people will be needed to correct the errors, and then those extra people can make further errors, rinse and repeat, and then.....we have the perfect chaos.

And we haven't even yet handled the additional complaints from customers about the additional errors, or the random decision making by some bank clerk. Or looked at the costs of this "humane" way of banking.

Let's go for it!

Tabatha_Kitten

opinions4u wrote: »

Are you proposing a banking system whereby every transaction gets checked by human eyes before being paid or declined?

I worked for the Midland Bank in the late 80's early 90's.
We used to get a list every day of customers who had cheques or direct debits going through which would take them overdrawn.
My job was to ring them up and ask them to come in and pay in cash over the counter before the branch closed at 3.30 otherwise we would bounce the payment !

Sorry op, times have changed - I (and many, many others) got the redundancy package to prove it !