Pending payments causing account overdrawn

Consumerist

dazzer1467 wrote: »

I can prove they have already received payment for the order,they are not entitled to "call" for any payment let alone receive anything.

If they had received the money then it would no longer be a pending payment.

Many have tried to help you in this thread and not a single thank-you from you.

I, for one, am done here.

dazzer1467

Consumerist wrote: »

If they had received the money then it would no longer be a pending payment.

Many have tried to help you in this thread and not a single thank-you from you.

I, for one, am done here.

Consumerist - Maybe you misread the original post,It clearly says that on the 29th there were 2 pending payments,1 was genuine 1 was not,the non-genuine pending authorisation was removed on Friday,ANOTHER pending payment was marked as pending today (Sunday),The genuine amount has already debited my account therefore any remaining authorisations are not genuine, You also havent gave any advice.

Thank you to everyone else.

BMN

I have a feeling that you may be confusing your account balance and your available balance.

And also "pending payments" (which are called authorisation holds where money is "reserved" but nothing is actually taken from your account) with the payment transactions which actually appear as a line on your statement.

dazzer1467

BMN wrote: »

I have a feeling that you may be confusing your account balance and your available balance.

And also "pending payments" (which are called authorisation holds where money is "reserved" but nothing is actually taken from your account) with the payment transactions which actually appear as a line on your statement.

Thank you

I understand the difference between account balance (the actual balance of the account) and the available balance (the balance that is will be available once all pending payments are made), My point is that any money going into the account will apply to the available balance,the account balance tomorrow when £20.30 is paid in will be £20.30 but the available balance will be -£70 so i will be unable to withdraw any money.

jonesMUFCforever

You will if the pending payment drops off.

meer53

OP, phone Santander tomorrow, tell them they should have a fax from Asda and stay on the phone until the authorisation is removed. Then you can withdraw your benefit. You can't do anything if they're not open can you ? It will be sorted tomorrow, i don't understand why you're panicking today ?

Gromitt

It doesn't appear to be a basic Santander account as those don't come with a Visa debit card, and all of the other accounts come with a overdraft, so you can just withdraw against it. So I'm not sure what the problem is?

dazzer1467

Gromitt wrote: »

It doesn't appear to be a basic Santander account as those don't come with a Visa debit card, and all of the other accounts come with a overdraft, so you can just withdraw against it. So I'm not sure what the problem is?

It is a current account but there is no overdraft on the account.

thanks for the replys

dazzer1467

meer53 wrote: »

OP, phone Santander tomorrow, tell them they should have a fax from Asda and stay on the phone until the authorisation is removed. Then you can withdraw your benefit. You can't do anything if they're not open can you ? It will be sorted tomorrow, i don't understand why you're panicking today ?

i know nothing was going to be sorted yesterday but i posted so that i know what i can say today when i go into branch.

dazzer1467

jonesMUFCforever wrote: »

You will if the pending payment drops off.

i understand that i will be able to withdraw the benefits IF the payment drops off today at some point but i was wondering what i can do if it doesnt.