Help needed to answer banking enquiry

FredTheShed

I wen't away for Christmas last Friday, and had to pay a £100 security deposit on arrival. After the transaction, I checked my mobile banking and it showed -£100 was taken from my available balance. According to the resort. this money dosen't actually come out of my bank account. and goes into your account balance, And it showed accouut balance of £100 in there at the ATM last weekend. I checked again today and my account balance is now £0 a. But the £100 has not reappered in my available balance. Any idea's ?

Willing2Learn

I have found your post somewhat confusing....

Are you saying that there was a pre-authorisation for £100 taken on your card and that the £100 has still not been credited back to your available balance?

FredTheShed

Yes that's correct

Willing2Learn

If you didn't pay the bill using the card then I believe the transaction would be returned to your account after approximately 5-7 (working) days. It can take longer though.

For clarity, and as an example of how this works, the following is what the Marriot say about this:

Pre-authorisation is a common process followed within Marriott Hotels in the UK at check-in. The way it works is that a pre-authorisation request is made by the hotel’s card terminal to the card holders’ bank, your bank/credit card company authorises the funds and sends an authorisation code to the hotel. This confirms the availability of the requested funds in the card holder’s account to cover charges in the hotel (if any).

This authorisation code is expected to be used when the transaction is about to complete (that is on check-out). If the authorisation code given by your bank/credit card company is not used by the hotel, this means that your account had no incidental charges during the stay OR the hotel has secured funds through other means (Cash or another card) and has had no need to use those blocked funds OR does not wish to proceed with the transaction due to other reasons.

If on check out, a guest decides to pay using Cash or with an alternative credit/debit card (different to the one provided on arrival); the amount taken from the first credit/debit card normally takes 5-7 working days to be released back to your card by your own issuing bank or credit card company. Some issuing banks and building societies may take longer specially for cards issued outside of the United Kingdom

FredTheShed

thank you for the help