halifax clarity card

zagfles

vickk wrote: »

It was a paper statement that I got today, I had been waiting for it because the rate does not show online but it seems it does not show on paper ones also.

If it was DCC it wouldn't show the rate anyway - as Halifax would just see the GBP amount. But if they no longer show the rate when charged in foreign currency that's crackers if true!

But anyway Halifax should be able to tell you whether the card was charged in GBP or EUR - and as you say it couldn't have been EUR since the rate hasn't been as low as 1.13 all year. So the car hire company must have charged you in GBP. If you didn't authorise them to charge you in GBP then it's an unauthorised transaction and Halifax should refund you (or at least the difference) and chargeback the car hire company.

vickk

zagfles wrote: »

If it was DCC it wouldn't show the rate anyway - as Halifax would just see the GBP amount. But if they no longer show the rate when charged in foreign currency that's crackers if true!

But anyway Halifax should be able to tell you whether the card was charged in GBP or EUR - and as you say it couldn't have been EUR since the rate hasn't been as low as 1.13 all year. So the car hire company must have charged you in GBP. If you didn't authorise them to charge you in GBP then it's an unauthorised transaction and Halifax should refund you (or at least the difference) and chargeback the car hire company.

Yes its crackers if true but if my transaction Was DCC then I only have the agents word that they no longer show as you say Halifax would only see a GBP rate.

they were not able to tell me if the card was charged in euro or pound.

I have raised a complaint with them as I thought they had charged the wrong rate but if as you say I have been charged as DCC then it will come out and I can pursue that with them

YorkshireBoy

vickk wrote: »

however there are some paragraphs on the receipt in spanish only

Maybe try copying into www.freetranslation.com to get the gist of what it says?

PeacefulWaters

vickk wrote: »

despite 30 minutes on the phone with them they never came up with the suggestion that you guys have

They don't earn enough to get the chance to use the card abroad.

That's why. They lack the practical experience that their customers have.

andyuk01

When i log into my online banking with halifax the recent transactions doesn't show the exchange rate, however clicking through to the statement archive its clearly visible there

ie

Date of transaction - date entered - description - amount £
16/05/2014 19/05/20114 1000pln @ 5.145 194.40
Grand hotel

King_Of_Fools

andyuk01 wrote: »

When i log into my online banking with halifax the recent transactions doesn't show the exchange rate, however clicking through to the statement archive its clearly visible there

ie

Date of transaction - date entered - description - amount £
16/05/2014 19/05/20114 1000pln @ 5.145 194.40
Grand hotel

Do you still have paper bills or just online ones?

One of the "benefits" of when they moved over from the Halifax to the Lloyds CC system a few months ago was that you could no longer have both paper and online statements but had to choose one or the other.

I am wondering if the change the OP is seeing is due to the "improved" Lloyds CC system.

giblet10

Which hire car company was it?

System

Just request Halifax chargeback the transaction as you never authorised DCC .

The reason code is 76 if memory serves.

Benny123_2

Hello to all, I have a similar situation, I used my Sterling Clarity card to book a hotel in the euro zone, it was for a wedding and so I needed to book over the phone as opposed to online, the hotel never asked in which currency would I want to pay, simply informed me the room would be 130EURO, however they appear on the emailed invoice to have converted this to sterling for the charge.
Can I get the hotel to change this or is it too late to do anything about it?

RedDwarf82

vickk wrote: »

I think it looks like it may be down to the car hire firm and at least that is better than it being a poor rate from Mastercard. I like you have used the card in many parts of the USA and got good rates and have a 3 week trip soon. I still find it disappointing that Halifax have changed their statements format. I have checked my agreement with the hire firm and nowhere does it say they will do the conversion however there are some paragraphs on the receipt in spanish only but the sum is only quoted in Euro.

As you may know there are quite a few filthy Spanish immigrants around the UK... If you copy it I can translate it.