How much Compensation should I get for being Wrongly Accused of stealing a week before in Sainsbury

MobileSaver

powerful_Rogue said:

DullGreyGuy said:

powerful_Rogue said:

It's very clear on the screen as it happened to me last week. Shop was for over £100 so I put my card in the machine to pay. After entering the PIN it came up on the machine as declined and on the main screen 'There was an issue with your payment card, please try again or contact a member of staff'. I tried a further 2 times with the same issue. In the end, I got a member of staff to remove an item to take it under £100 so I could use contactless on my phone, then purchase the other item seperately.

After speaking to First Direct, appeared somehow Chip&PIN had been disabled on my card.

Why is your phone limited to £100?

Apparently it's not thanks to the helpful posts on here pointing it out! I just had the £100 contactless figure in my head. 

Having visited Tesco yesterday for our weekly shop I now completely understand why there's confusion regarding payment limits...

The self-scan card machine clearly displayed a message stating "Contact-less limit £100" but then happily accepted £200 from me when I held my phone above the reader! As @MattMattMattUK and @DullGreyGuy have pointed out, it appears retailers have not yet caught up to the fact that there are different types of contact-less payments and they each have different limits.

born_again

outtatune said:

born_again said:

outtatune said:

I've never had a payment at self checkout declined, so I'd be interested to know from those of you who have exactly what company it was and what visual/audible prompt there was to let you know about it.

Of course, it could be that I have had a payment declined and it's simply not obvious when that happens with machines at my local Sainaldlidlaitrosesco.

I guess you do not use contactless then. As there is a limit before PIN has to be entered.
So declines are a normal part of purchasing @ every retailer. Terminal just comes up with declined & please enter card & pin.

You guess wrong.

Then I am really surprised you have never hit a declined contactless transaction. 

p00hsticks

born_again said:

outtatune said:

born_again said:

outtatune said:

I've never had a payment at self checkout declined, so I'd be interested to know from those of you who have exactly what company it was and what visual/audible prompt there was to let you know about it.

Of course, it could be that I have had a payment declined and it's simply not obvious when that happens with machines at my local Sainaldlidlaitrosesco.

I guess you do not use contactless then. As there is a limit before PIN has to be entered.
So declines are a normal part of purchasing @ every retailer. Terminal just comes up with declined & please enter card & pin.

You guess wrong.

Then I am really surprised you have never hit a declined contactless transaction. 

I'm not sure that requesting a Pin entry can really be considered as a transaction being 'declined' though, in the same way as e.g. using an expired card or your bank rejecting the payment though insufficient funds would be ? (Unless of course, you went on to fail to key in the correct PIN when asked).

Since this thread started, I've been waiting (unsuccessfully) to be asked to enter my pin on a contactless transaction in order to  confirm whether the card reader actually says 'declined' or simply asks you to insert your card and key in your pin before it says 'approved'.
. 
I am pretty sure that when using a self-service check-out and selecting the 'pay by card' option on the main check out screen, the screen will then tell you to 'follow the instructions on the card reader' and the next message you'd get on that screen in such as case would be 'payment accepted' regardless of whether the card reader had asked you to enter your pin or not. 

Whereas if the card used was actually invalid, as well as the 'declined' message on the card reader, you'd get a 'payment rejected, please select another method of payment' message on the main check-out screen. 

molerat

p00hsticks said:

born_again said:

outtatune said:

born_again said:

outtatune said:

I've never had a payment at self checkout declined, so I'd be interested to know from those of you who have exactly what company it was and what visual/audible prompt there was to let you know about it.

Of course, it could be that I have had a payment declined and it's simply not obvious when that happens with machines at my local Sainaldlidlaitrosesco.

I guess you do not use contactless then. As there is a limit before PIN has to be entered.
So declines are a normal part of purchasing @ every retailer. Terminal just comes up with declined & please enter card & pin.

You guess wrong.

Then I am really surprised you have never hit a declined contactless transaction. 

I'm not sure that requesting a Pin entry can really be considered as a transaction being 'declined' though, in the same way as e.g. using an expired card or your bank rejecting the payment though insufficient funds would be ? (Unless of course, you went on to fail to key in the correct PIN when asked).

Since this thread started, I've been waiting (unsuccessfully) to be asked to enter my pin on a contactless transaction in order to  confirm whether the card reader actually says 'declined' or simply asks you to insert your card and key in your pin before it says 'approved'.
. 
I am pretty sure that when using a self-service check-out and selecting the 'pay by card' option on the main check out screen, the screen will then tell you to 'follow the instructions on the card reader' and the next message you'd get on that screen in such as case would be 'payment accepted' regardless of whether the card reader had asked you to enter your pin or not. 

Whereas if the card used was actually invalid, as well as the 'declined' message on the card reader, you'd get a 'payment rejected, please select another method of payment' message on the main check-out screen. 

Unfortunately that is what you usually get when all is needed is the PIN, exactly the same as happens when the card is genuinely declined. You only seem to get the "please enter PIN" on stand alone terminals, the connected ones go for a straight decline.

born_again

p00hsticks said:

born_again said:

outtatune said:

born_again said:

outtatune said:

I've never had a payment at self checkout declined, so I'd be interested to know from those of you who have exactly what company it was and what visual/audible prompt there was to let you know about it.

Of course, it could be that I have had a payment declined and it's simply not obvious when that happens with machines at my local Sainaldlidlaitrosesco.

I guess you do not use contactless then. As there is a limit before PIN has to be entered.
So declines are a normal part of purchasing @ every retailer. Terminal just comes up with declined & please enter card & pin.

You guess wrong.

Then I am really surprised you have never hit a declined contactless transaction. 

I'm not sure that requesting a Pin entry can really be considered as a transaction being 'declined' though, in the same way as e.g. using an expired card or your bank rejecting the payment though insufficient funds would be ? (Unless of course, you went on to fail to key in the correct PIN when asked).

Since this thread started, I've been waiting (unsuccessfully) to be asked to enter my pin on a contactless transaction in order to  confirm whether the card reader actually says 'declined' or simply asks you to insert your card and key in your pin before it says 'approved'.
. 
I am pretty sure that when using a self-service check-out and selecting the 'pay by card' option on the main check out screen, the screen will then tell you to 'follow the instructions on the card reader' and the next message you'd get on that screen in such as case would be 'payment accepted' regardless of whether the card reader had asked you to enter your pin or not. 

Whereas if the card used was actually invalid, as well as the 'declined' message on the card reader, you'd get a 'payment rejected, please select another method of payment' message on the main check-out screen. 

Interesting point.👌
In effect it would be, as if you did not enter pin the transaction would be declined. 

You have to remember that if you use a ATM, that will reset the counter/limit 👍

LunaLater

diystarter7 said:

maisie_cat said:

I shopped in Waitrose once, inserted my card but removed it too quickly and walked off with £100 worth of shopping. I was in a hurry, but even so it was a stupid thing for me to do.
When I went back to the same store a couple of weeks later my loyalty card wouldn't work and I found out when I asked at customer service. They told me in front of others what had happened and because it was my fault I apologised and paid for the shopping. 
What I don't understand is why you haven't offered to pay for the shopping now that you've established that you did not in fact pay for it at the time.

As you have just confirmed, it happens and I hope those having a go or irrelevant cooments  at this poster who may be quite vulnerable note that.

The answer to your question is in the OP's intial post, the way the staff spoke to them and treated them, etc, etc. Payment is not the issue now it's compensation is what the question is about.

We all have different sensitivity levels but how the other treats you makes a big difference to the way most people react.

I don’t agree. They took shopping without paying for it, and the shop then rightly pulled them up.

It’s still not clear if they have paid yet or not.

Manxman_in_exile

born_again said:

outtatune said:

born_again said:

outtatune said:

I've never had a payment at self checkout declined, so I'd be interested to know from those of you who have exactly what company it was and what visual/audible prompt there was to let you know about it.

Of course, it could be that I have had a payment declined and it's simply not obvious when that happens with machines at my local Sainaldlidlaitrosesco.

I guess you do not use contactless then. As there is a limit before PIN has to be entered.
So declines are a normal part of purchasing @ every retailer. Terminal just comes up with declined & please enter card & pin.

You guess wrong.

Then I am really surprised you have never hit a declined contactless transaction. 

p00hsticks said:

born_again said:

outtatune said:

born_again said:

outtatune said:

I've never had a payment at self checkout declined, so I'd be interested to know from those of you who have exactly what company it was and what visual/audible prompt there was to let you know about it.

Of course, it could be that I have had a payment declined and it's simply not obvious when that happens with machines at my local Sainaldlidlaitrosesco.

I guess you do not use contactless then. As there is a limit before PIN has to be entered.
So declines are a normal part of purchasing @ every retailer. Terminal just comes up with declined & please enter card & pin.

You guess wrong.

Then I am really surprised you have never hit a declined contactless transaction. 

I'm not sure that requesting a Pin entry can really be considered as a transaction being 'declined' though, in the same way as e.g. using an expired card or your bank rejecting the payment though insufficient funds would be ? (Unless of course, you went on to fail to key in the correct PIN when asked)....

I think I agree with @p00hsticks.

Having a declined contactless transaction is a completely different beast from being asked to input your PIN.

I get asked to input my PIN every dozen or so transactions, but I've only had a transaction declined a couple of times.  Surely if you get a declined notice then that declined refers to the card itself, and not the PIN?  Inputting your PIN won't suddenly make the declined go away, will it?

I've no doubt the OP didn't notice that the card reader was either (1) asking for a PIN or (2) saying transaction declined and just walked out of the store.  I think it's quite easy to do - I may have done it myself!

But the OP is way OTT wanting compensation.  Perhaps store staff could have handled it better.  Or perhaps they couldn't.

Storm in a teacup

SiliconChip

I think @molerat is right, it's been my experience that when contactless is declined at a self checkout terminal it doesn't ask for the PIN to be entered, as would happen a manned terminal, it always requests that the card is either entered so that C&P can be used, or swiped (I've never had to do a swipe so I'm not sure how it's processed these days).

Frogletina

I've had a decline when using my card at the co-op and it was because I hadn't transferred from my chase savings account to my current account.

I'm sure the machine beeped the same as when it is accepted and I only just noticed it said declined.

I would have known later as it shows up on my phone. What does annoy me is that if I don't request a receipt early enough the screen clears. 

I did once get pulled in accused of shoplifting when I was with my granddaughter. We each wondered what the other had done. It transpired she was playing with a lime bought at the greengrocers  and it was only cleared up when they looked at a video of us entering the shop with her holding it. She had refused a receipt for it, something I never do.

It was embarrassing but I didn't dream of asking for compensation.

powerful_Rogue

I must be in the few, but I never bother to get a receipt for bog standard shopping. If there is ever an issue, then can pull my transaction up on the screen and check.