Strange Security Measure? NewDay Card

T-G-C

I made a transaction over £100 earlier via the Internet on my NewDay powered credit card.

A few hours later, my available balance has gone back up and the transaction has disappeared from my pending balance.

My booking with the merchant hasn’t been cancelled or any indication of such.

Could this be a temporary issue with the payments system or can their security team pull back payments from your pending transactions instantly, I’ve always been told banks can’t do this once authorised unless you open a fraud investigation which takes days?

They don’t even have a night line, so I’m worrying now I might lose my booking because of an error on their side.

jonesMUFCforever

Which site did you book with?
Could it be that you pay when you arrive?

T-G-C

jonesMUFCforever wrote: »

Which site did you book with?
Could it be that you pay when you arrive?

It was a Merlin attraction.

No, I’ve booked with them in the past. They take up-front payment for the booking cost.

It lowered my balance and showed on my transactions as pending, now it has disappeared and my spend has increased.

I fear they’ve reversed the transaction and I’m going to have trouble with the merchant over it. Just what I need...

[Deleted User]

Have you contacted either party to ask!?

T-G-C

!!! wrote: »

Have you contacted either party to ask!?

Of course I did, but had to see if anyone here has had a similar problem and what the outcome was, since the call centres were closed when I posted this.

I called them both this morning. NewDay Amazon’s customer service leaves a lot to be desired and I never normally discredit consumer support for companies. They are sluggish and don’t seem to have much more detail than I do on my end of the system.

They claim the transaction doesn’t exist on their side and cannot be found anywhere on the account... even though I personally logged into mobile banking and saw my balance reduce + pending transaction item which both magically disappeared later that evening.

I called the merchant who has checked their payment system with a fine tooth comb and they’re 100% confident that the booking has been settled / authorised from my credit card. As you know, no company would say it was paid if it wasn't.

Pretty much a complete confusing juxtaposition between the two. The merchant’s advice was to still go ahead with the booking (and I may land a freebie, which I said is unlikely as NewDay will magically take the money again at some point) and the card issuer has advised to wait a few more days for it to debit from my balance.

In all my years of banking, I have never seen this before in my life. Once a transaction is authorised and the funds are in witholdings, it can’t fall-off straight away, especially when the merchant hasn’t voided the authorisation.

I don’t know what’s happened, I’ll leave the credit in there and wait for it come out, if it does, but the company has to be paid regardless so the authorisation has got to be debited from my account as that’s where it originated.

The merchant even gave me an authorisation code for the transaction and the NewDay agent claimed she couldn’t do anything with it to load up the transaction, as they’re not a bank, whatever that means.

P.S MSE really need to fix that stupid character bug when using ‘’s on mobile devices.