Asda 6 Month Rule

BoGoF

If your previous post was you attempting an explanation then I stand by my comment.

JReacher1

BoGoF wrote: »

If your previous post was you attempting an explanation then I stand by my comment.

That is fair enough. I have explained how it works. I can do no more!

agrinnall

JReacher1 wrote: »

That is fair enough. I have explained how it works. I can do no more!

You could try to understand that the authorisation is valid for 6 months under Visa and Mastercard rules.

JReacher1

agrinnall wrote: »

You could try to understand that the authorisation is valid for 6 months under Visa and Mastercard rules.

My apologies that is not correct.

For one thing the length of the authorisation is dictated by the bank not the type of card. A visa for Hsbc will have a different authorisation time than a visa for Barclays.

marliepanda

At the end of the day this forum is about consumer rights, not consumer wants.

It doesn!!!8217;t matter if it!!!8217;s bad customer service, it!!!8217;s legally allowable, therefore it doesn!!!8217;t matter if we think it would be nice of them to do it differently.

They!!!8217;ve acted within the law and thats the end

its_all_over

JReacher1 wrote: »

Your Royal Mail comparison is laughable.... it is a completely different situation as the parcel will be delivered within the timescale you have signed up for. People when paying for goods online expect the money to be taken within 3-5 days at most. If there is a delay in taking the money then there is a chance that there will be no available funds in the customers bank account as the original authorisation will have expired. It is therefore decent business practice to send an email informing the customer you will be taking an amount of money on a certain date.

I have worked in IT for a large retailer and it is very simple to have a process in place to report on failing transactions and send emails to the relevant customers.

JReacher1 wrote: »

Because for 99% of online purchases this is what happens.

From a technical point of view a card authorisation will only last up to 14 days so if the payment is not taken before the authorisation expires then there is no guarantee that the retailer will be able to get the money.

mije1983 wrote: »

So because it's the norm? Just like a delivery within a few days via RM, however they allow up to 15 to deliver? So not such a laughable comparison then.......

As mije1983 says, you've just proved the Royal Mail analogy actually works. 99% of 1st class items arrive in 24 hours, but they can take up to 15 days to arrive, a very similar thing as the small amount of authorisations that process in the first day and might take significantly longer.

Most payments are within a day or so, but they can take much longer without having failed, just like the post.

JReacher1

its_all_over wrote: »

As mije1983 says, you've just proved the Royal Mail analogy actually works. 99% of 1st class items arrive in 24 hours, but they can take up to 15 days to arrive, a very similar thing as the small amount of authorisations that process in the first day and might take significantly longer.

Most payments are within a day or so, but they can take much longer without having failed, just like the post.

It does not work at all. It is a very poor ill thought out analogy and you should just accept it and move on

The OP has experienced money being taken out of his account one month after it was expected to be taken. This has caused him financial hardship (admittedly due to his own poor budgeting).

A parcel arriving 15 days after it has been posted may be irritating but it doesn’t actually cause any financial hardship. In addition when you sign up for the Royal Mail service you will be told that it can take up to 15 days. I would be surprised if Asda tell you when paying for a shop that they may not charge you for six months.

RichardD1970

JReacher1 wrote: »

It does not work at all. It is a very poor ill thought out analogy and you should just accept it and move on

The OP has experienced money being taken out of his account one month after it was expected to be taken. This has caused him financial hardship (admittedly due to his own poor budgeting).

A parcel arriving 15 days after it has been posted may be irritating but it doesn’t actually cause any financial hardship. In addition when you sign up for the Royal Mail service you will be told that it can take up to 15 days. I would be surprised if Asda tell you when paying for a shop that they may not charge you for six months.

Surely that depend on what is in the parcel and what it is intended for?

JReacher1

RichardD1970 wrote: »

Surely that depend on what is in the parcel and what it is intended for?

Not really as if you choose to use a service that can take up to 15 days then you have only yourself to blame if it takes 15 days to arrive. There are other Royal Mail services you can use which guarantee quicker delivery times.

LABMAN

JReacher1 wrote: »

It does not work at all. It is a very poor ill thought out analogy and you should just accept it and move on

The OP has experienced money being taken out of his account one month after it was expected to be taken. This has caused him financial hardship (admittedly due to his own poor budgeting).

A parcel arriving 15 days after it has been posted may be irritating but it doesn’t actually cause any financial hardship. In addition when you sign up for the Royal Mail service you will be told that it can take up to 15 days. I would be surprised if Asda tell you when paying for a shop that they may not charge you for six months.

Tickets for a concert arriving two days after the event took place? An order to sell shares taking two weeks to get to the recipient and the price of the shares crashing in the two week period? A parcel of chilled fresh food? Legal documents for a house sale that doesn't make the exchange day etc?