Asda: ongoing holding on to my money after a home shop problem!

wealdroam

j0nathon2 wrote: »

Not knowing they OP's circumstances, but they could have poor credit and get a £200 limit credit card. How would this have helped them? They'd have insufficient funds and no food delivered. Had their estimated shopping bill been for £190, they'd also have no funds to get much food from anywhere else either.

The OP has a bank current account.
By using a credit card, no Direct Debits would've been refused payment... a simple saving of £60 using the OP's own figures.

I don't know how you can say that "they'd also have no funds to get much food from anywhere else either". I don't think either of us are in a position to know that.

Anoneemoose

wealdroam wrote: »

The OP has a bank current account.
By using a credit card, no Direct Debits would've been refused payment... a simple saving of £60 using the OP's own figures.

I don't know how you can say that "they'd also have no funds to get much food from anywhere else either". I don't think either of us are in a position to know that.

But OP has said they are on a low income and that would probably mean they are likely to be refused for a credit card or if they did get one, it would probably be a low limit, like PP said say £200. And OP would have been in a similar situation even then. Charges for going over their limit for e.g.

Also, OP might not want a credit card. People don't NEED them and OP certainly shouldn't be belittled for not having one. For people on a low income, it may be an extra source of problems when trying to budget.

Regardless, even if the OP did have card with a huge limit, this situation should not have been allowed to occur. Asda buries this in its t&cs and it seems OP isn't the only one to fall foul of this. As they have said, if they knew this may happen, they would not have gone ahead.

newdave1975

wealdroam wrote: »

The OP has a bank current account.
By using a credit card, no Direct Debits would've been refused payment... a simple saving of £60 using the OP's own figures.

I don't know how you can say that "they'd also have no funds to get much food from anywhere else either". I don't think either of us are in a position to know that.

hindsight is a wonderful thing though, i neither knew that this could/would happen. so as it stands i could have done nothing about it. but surely they crux of this is should i have had to?

newdave1975

Anoneemoose wrote: »

But OP has said they are on a low income and that would probably mean they are likely to be refused for a credit card or if they did get one, it would probably be a low limit, like PP said say £200. And OP would have been in a similar situation even then. Charges for going over their limit for e.g.

Also, OP might not want a credit card. People don't NEED them and OP certainly shouldn't be belittled for not having one. For people on a low income, it may be an extra source of problems when trying to budget.

Regardless, even if the OP did have card with a huge limit, this situation should not have been allowed to occur. Asda buries this in its t&cs and it seems OP isn't the only one to fall foul of this. As they have said, if they knew this may happen, they would not have gone ahead.

thank you ....exactly!

Blackpool_Saver

Suppose you paid with a low limit card and they ring fence the initial sum, and then try for the actual sum....and can't get it due to low limit....would they refuse delivery???? obviously it shouldn't happen, but if they can take 2 payments it follows they may try....

sheramber

Thre was a thread a while ago from someone who had ordered grocery amounting to one amount- say £190 - but some items were not available so the actual cost was less- say £180.

the order did not arrive as requested and when the poster queried it she was told the order had been cancelled.

It turned out that the original cost had been preauthorised. But when the amount due changed a further pre authorisation was done for the second amount while the original amount was still held as pre authorised. Apparantly this is normal practice for ASDA.

Unfortunately, the bank account did not contain enough money to cover the additional second amount

So the order was cancelled by ASDA.

bebewoo

It is quite astonishing that ASDA are still doing this to people.

Blackpool_Saver

Thank you for the replies, yes it is shocking, Mr T for me