Recurring payment authority help

romanesque

I need some advice:

I have a kickstarter account. I made a pldege but forgot to cancel it therefore the payment was taken from my account on a debit card.

The kicker:

The card on my kickstarter is invalid as a new card was issued last year in November from Think money and the old card should have been cancelled.

think money have allowed the money to be taken and refuse to repay becuase the long number on both cards is the same.

There have actually been no payments made to kickstarter on the old card at all and kickstarter do not have my new debit card.

So money has been taken authorised on an old debit card. No further information has been taken like the new expiry date or the three numbers on the reverse.

Help!

KJSmith

romanesque wrote: »

I need some advice:

...forgot to cancel it...

Help!

Learn from your experience so that you don't make the same mistake again.

agrinnall

The card is simply a method of linking to your current account, unless the account has been closed then an authorised debit (which this was) against the card number will generally go through.

romanesque

So in effect what you are saying is that anyone can actually get money from my account by using the long number across the middle with no checks or authority.

grumbler

romanesque wrote: »

So in effect what you are saying is that anyone can actually get money from my account by using the long number across the middle with no checks or authority.

No, the authority was in place - given by you.
The fact that the card expired and was replaced with a new one doesn't cancel this authority, and a pre-authorised payment can be taken from a cancelled card.

MSE: Continuous payment authority: manage recurring payments

>> Can't I just cancel my card instead?

romanesque

This is what i do not understand.

If the card is cancelled - not expired actually cancelled, then the details used should be cancelled to becuase they no longer are valid despite the fact that there is a recurring payment.
All other payments on this card stopped and I had to re do all of them. this one slipped through becuase basically I had never paid anything on the card with kickstarter.

This is what I do not understand. the authority is for money to be debitted by my card, not from my account therefore therorectically if the card is not valid therefore the transaction should not be valid.

-p does that make sense?

grumbler

romanesque wrote: »

If the card is cancelled - not expired actually cancelled, then the details used should be cancelled to becuase they no longer are valid despite the fact that there is a recurring payment.

If only it was that simple...
In fact companies have up to 6 months to process an authorised transaction, and by cancelling the card you would be able to avoid transactions that they failed to process instantly.

takman

The main point to this is that you agreed to make a payment and that payment was completed. You agreed to make the payment before the card was cancelled so therefore you can't expect the payment to be stopped.

If for some reason the payment was not made then you would have been liable for the amount owed.