credit card charged. company say payment not received, HELP

freddie_2

Not sure if this is be right place but need some help ASAP

PIL hve booked holiday with a company, called on the 15/1 to pay by visa and were told payment would not go through. Called again 16th and still told it wouldnt go through. called bank tody and they say payment went through on the 15th and have a authorising code for the transaction. Company still saying they havent received payment.

What do we do now? Who to contact?
They are due to travel in 3 weeks so need this sorted asap.

Thanks for all help.

we_are_always_skint

i dont know where you stand legally but if it were me i would go to the bank and get a statement that shows the payment then take it straight to the holiday company. if they are too far away find a company who will fax it for you (places like staples may do this?) and get it chased up - good luck

Garetha

First of all I believe VISA will protect your payment - especially if it's a credit card. But also some debit VISA cards cover you.

Don't let the company keep trying - you may end up with several transactions. :eek:

Ask to speak to a manager. Who are they? Name names here and see if anyone else has had the same problem.

freddie_2

Thanks folks, heis going to contact mnager this morning so hopefully will know more then, will update later.
thanks

PBA

Sounds like a problem with the 2 banks talking to each other when the transaction went through.

When a shop requests an authorisation on a card the card issuer has a certain number of seconds to authorise the transaction or it times out and comes back to the merchant as declined. It sounds like the bank authorised the transaction, but the authorisation code didn't get back to the merchant in time so their system shows the transaction was declined. Someone at the merchant's head office may be able to sort this out, but the easiest thing to do is probably wait a couple days for the original authorisation to drop off the account then put the transaction through again.