£100 for £20 petrol

RogerBareford

Ergates said:

RogerBareford said:

scrappy_returns said:

troffasky said:

Funny how they can request "too much" instantly, but correcting it to the lower amount takes hours or days, isn't it?

Do you think they are living off the interest cos they won't be getting much currently?

When a hold is put on money in an account like this the money doesn't go anywhere so nobody will be benefitting from this is anyway from getting any interest at all.

I think that was their point...

I wasn't sure because they said "they won't be getting much currently" which suggests they think they will get some interest which wouldn't be the case.

ontheroad1970

Ergates said:

GDJTAM said:

born_again said:

Seems you spoke to a rep that either was not paying attention or did not understand your question.
As the amount that debits is the amount of the fuel you took. So, Unless that is more than your account balance there are no overdraft charges...

No one is getting charged for anything that is in their control.

Overdrafts only apply to debited funds. NOT authorisations. 👍

The chap I spoke to could see that my bank balance had decreased by £100, although the payment was marked pending had I gone overdrawn then I may have had difficulty using my debit card until funds were back in the black. Although this does not affect me I can't believe VISA or Mastercard would impose this on low income households?

VISA/Mastercard aren't "imposing" this on people - people are choosing to do this by using pay-at-pump.  It's a convenience, but it only works if the seller can pre-authorize a sum that is sufficient to fill the tank of a car.   

The alternative is to pay in the kiosk - which is an option at nearly every petrol station in the UK (I've never seen one that didn't have a kiosk - though I wouldn't be surprised if there were a few about).  People in financial hardship have to make many compromises, this is one of them.

A lot of Asda filling stations don't have kiosks

emmajones1976

ontheroad1970 said:

Ergates said:

GDJTAM said:

born_again said:

Seems you spoke to a rep that either was not paying attention or did not understand your question.
As the amount that debits is the amount of the fuel you took. So, Unless that is more than your account balance there are no overdraft charges...

No one is getting charged for anything that is in their control.

Overdrafts only apply to debited funds. NOT authorisations. 👍

The chap I spoke to could see that my bank balance had decreased by £100, although the payment was marked pending had I gone overdrawn then I may have had difficulty using my debit card until funds were back in the black. Although this does not affect me I can't believe VISA or Mastercard would impose this on low income households?

VISA/Mastercard aren't "imposing" this on people - people are choosing to do this by using pay-at-pump.  It's a convenience, but it only works if the seller can pre-authorize a sum that is sufficient to fill the tank of a car.   

The alternative is to pay in the kiosk - which is an option at nearly every petrol station in the UK (I've never seen one that didn't have a kiosk - though I wouldn't be surprised if there were a few about).  People in financial hardship have to make many compromises, this is one of them.

A lot of Asda filling stations don't have kiosks

Yes we already did this