Asda 6 Month Rule

dglover_2

Does anyone know about ASDA taking payment a month or later after delivery?
If so where can you find this?

Thanks

agrinnall

They can take payment without seeking further authorisation up to 6 months later, and up to 6 years (5 years in Scotland) but they would need to advise you that they are doing so in that case. Bottom line is, you owe the money, they will take it unless you are very fortunate.

marliepanda

dglover wrote: »

Does anyone know about ASDA taking payment a month or later after delivery?
If so where can you find this?

Thanks

It’s not Asda’s rule it’s a general rule.

Debit payments can be automatically taken within 6 months if not taken correctly at the time. After 6 months they need to notify you.

dglover_2

thank you agrinnall,

I understand I owe the money but they had taken the payment without contacting us a month later and caused us to go into an unarranged overdraft so got extra bank charges etc.. But no where does it say they can take payment in the T&C's a month later..

If they contacted us then we could of set up some kind of payment plan or paid it the following week etc..

***************************************
Thank you marliepanda,

where can i find this rule?

powerful_Rogue

dglover wrote: »

thank you agrinnall,

I understand I owe the money but they had taken the payment without contacting us a month later and caused us to go into an unarranged overdraft so got extra bank charges etc.. But no where does it say they can take payment in the T&C's a month later..

If they contacted us then we could of set up some kind of payment plan or paid it the following week etc..

***************************************
Thank you marliepanda,

where can i find this rule?

Did you not notice the money go out originally? If not then maybe worth paying extra attention to your online banking.

marliepanda

dglover wrote: »

thank you agrinnall,

I understand I owe the money but they had taken the payment without contacting us a month later and caused us to go into an unarranged overdraft so got extra bank charges etc.. But no where does it say they can take payment in the T&C's a month later..

If they contacted us then we could of set up some kind of payment plan or paid it the following week etc..

***************************************
Thank you marliepanda,

where can i find this rule?

You need to pay closer attention to your budget and bank account as clearly you spent X more than you had.

I’m not trawling the Internet for banking and direct debit rules. I’m sure you can find it if you want to.

You cannot set up a payment plan. Would you be happy if you paid in full for your groceries, and Asda said ‘sorry we can’t fulfill at this time, we’ll deliver one item a week until you have your full order’

BoGoF

Use cash in future if one debit card payment you should have known wasn't taken puts you into overdraft

JReacher1

It is terrible customer service.

Legally they can get the money but waiting a month to take the cash for an order is very very poor. They should have sent you an email apologising for the system error and then confirming when the payment would be taken.

It is not how a professional business should operate.

LABMAN

JReacher1 wrote: »

It is terrible customer service.

Legally they can get the money but waiting a month to take the cash for an order is very very poor. They should have sent you an email apologising for the system error and then confirming when the payment would be taken.

It is how a professional business should operate.

I wish all retailers would wait a month before taking funds from my account. BTW were you not the one who disbelieved Ryanair had a policy seating travellers apart unless they paid to sit together? How did that pan out?

bris

JReacher1 wrote: »

It is terrible customer service.

Legally they can get the money but waiting a month to take the cash for an order is very very poor. They should have sent you an email apologising for the system error and then confirming when the payment would be taken.

It is how a professional business should operate.

It doesn't work like that and would have been out of Asda's hands. No retailer wants to wait a month to get paid.


It's the merchant services to blame not Asda. It's called polling, when you pay by debit or credit card the transactions sit in the retailers terminal then get polled at set times every night, or maybe every few hours in larger retailers, our's was once a day. When the polling is done all the transactions are sent to the merchant who process it take their commission and send the balance to the retailer.


This can go wrong and a single or multiple transactions can get stuck in limbo somewhere between the merchant and the customers bank who pay the merchant and fail to be correctly sent on, this is eventually corrected and payment is taken.


So blaming the retailer is wrong, the merchant or the customers bank is to blame but the retailer gets the flak.

JReacher1

LABMAN wrote: »

I wish all retailers would wait a month before taking funds from my account. BTW were you not the one who disbelieved Ryanair had a policy seating travellers apart unless they paid to sit together? How did that pan out?

If you struggle with your finances and need to wait a month to pay for something you should get a credit card. That is basically the point of them.