Tesco Credit Card Payment Issue

AndrewGC

If you have a Tesco Credit Card and you paid your bill around 8th May check your bank account as they have a fault so they took the payment on 9th May AND again on 10th. My bill was £2800 as we had used it for normal shopping and bought some furniture we had saved for. We cleared the whole bill this week, today my bank account is almost £2000 in debit and I have had warnings off the bank that I am overdrawn (first time ever in 40 years!)

Called bank and realised they were not the issue. Called Tesco and they have a message telling you of the problem and to hold on if you have "financial hardship". Nothing on App or Website and NO notifications to warn me.

Got through to a guy I felt sorry for but when I said I had payments due Monday and no money he asked his manager who suggested I pay them WITH MY TESCO CARD. They said they hope to get the money back soon but it may take 5 days as it is a weekend.

I was really polite but have logged a formal complaint. They took £5666 out of my account over two days and can offer no immediate help.

So check you accounts!!!

AndrewGC

AndrewGC said:

If you have a Tesco Credit Card and you paid your bill around 8th May check your bank account as they have a fault so they took the payment on 9th May AND again on 10th. My bill was £2800 as we had used it for normal shopping and bought some furniture we had saved for. We cleared the whole bill this week, today my bank account is almost £2000 in debit and I have had warnings off the bank that I am overdrawn (first time ever in 40 years!)

Called bank and realised they were not the issue. Called Tesco and they have a message telling you of the problem and to hold on if you have "financial hardship". Nothing on App or Website and NO notifications to warn me.

Got through to a guy I felt sorry for but when I said I had payments due Monday and no money he asked his manager who suggested I pay them WITH MY TESCO CARD. They said they hope to get the money back soon but it may take 5 days as it is a weekend.

I was really polite but have logged a formal complaint. They took £5666 out of my account over two days and can offer no immediate help.

So check you accounts!!!

Forgot to add, when the call ended he said "Enjoy your weekend" and I said "How? You have all my money!"

born_again

AndrewGC said:

If you have a Tesco Credit Card and you paid your bill around 8th May check your bank account as they have a fault so they took the payment on 9th May AND again on 10th. My bill was £2800 as we had used it for normal shopping and bought some furniture we had saved for. We cleared the whole bill this week, today my bank account is almost £2000 in debit and I have had warnings off the bank that I am overdrawn (first time ever in 40 years!)

Called bank and realised they were not the issue. Called Tesco and they have a message telling you of the problem and to hold on if you have "financial hardship". Nothing on App or Website and NO notifications to warn me.

Got through to a guy I felt sorry for but when I said I had payments due Monday and no money he asked his manager who suggested I pay them WITH MY TESCO CARD. They said they hope to get the money back soon but it may take 5 days as it is a weekend.

I was really polite but have logged a formal complaint. They took £5666 out of my account over two days and can offer no immediate help.

So check you accounts!!!

Going to guess this is via DD.
So a simple case of ringing banks funds taken from & getting 2nd DD reversed. Funds back in account overnight. 👍

AndrewGC

born_again said:

AndrewGC said:

If you have a Tesco Credit Card and you paid your bill around 8th May check your bank account as they have a fault so they took the payment on 9th May AND again on 10th. My bill was £2800 as we had used it for normal shopping and bought some furniture we had saved for. We cleared the whole bill this week, today my bank account is almost £2000 in debit and I have had warnings off the bank that I am overdrawn (first time ever in 40 years!)

Called bank and realised they were not the issue. Called Tesco and they have a message telling you of the problem and to hold on if you have "financial hardship". Nothing on App or Website and NO notifications to warn me.

Got through to a guy I felt sorry for but when I said I had payments due Monday and no money he asked his manager who suggested I pay them WITH MY TESCO CARD. They said they hope to get the money back soon but it may take 5 days as it is a weekend.

I was really polite but have logged a formal complaint. They took £5666 out of my account over two days and can offer no immediate help.

So check you accounts!!!

Going to guess this is via DD.
So a simple case of ringing banks funds taken from & getting 2nd DD reversed. Funds back in account overnight. 👍

Guessed wrong. 

And it isn't as simple.

Paid with my bank card on the app, not DD.

Wish it was that simple and suggest reading a post before making a comment that is no help to anyone. 

Also a "simple case" still doesn't apply to banks on a Saturday...

martinbainbridge1975

The bank may be partly to blame  , if the double payment has left you 2k overdrawn the 2nd payment should not have been authorised from your card with insufficient funds in your account.  May be worth a conversation with the bank and asking the question how that has been double authorised

AndrewGC

A final update. The money was put back into my account Monday evening. Tesco called me today (Tuesday) and the excuse was the third party provider they use to take payments (World pay) caused it, but they were taking full responsibility. I was offered £125 which I thought was pretty measly, but after reflection I have taken it as I cannot be bothered fighting with them. The line in the Final Response email sums up Tesco "I'd also like to assure you I've reviewed this with my manager who also agreed this is an appropriate figure. " So why didn't they get the manager to call me? All the way through every manager backed down from taking calls. 

martinbainbridge1975

AndrewGC said:

A final update. The money was put back into my account Monday evening. Tesco called me today (Tuesday) and the excuse was the third party provider they use to take payments (World pay) caused it, but they were taking full responsibility. I was offered £125 which I thought was pretty measly, but after reflection I have taken it as I cannot be bothered fighting with them. The line in the Final Response email sums up Tesco "I'd also like to assure you I've reviewed this with my manager who also agreed this is an appropriate figure. " So why didn't they get the manager to call me? All the way through every manager backed down from taking calls. 

if it helps I previously had an issue with Tesco on a loan application which when they accepted being in the wrong I was offered £100 - I had no time to take further so accepted and cut my losses.

the other option is take it to the financial ombudsman - they have up to 12 weeks to respond with no guarantee of the £125 offer improving, however the businesses receive a bill for them investigating which I understand is now in the region of £750. 

currently I have a tesco credit card, when I pay my bill I do a bank transfer from my banking app as a couple of times I have tried to pay on the app by card there has been a server error