charged twice on card

destiny_star2006

Went shopping yesterday to lidl and paid with debit card and the cashier said sorry it diddnt process so had to reenter details so then after that i wentto pay council tax today and noticed diddnt have enough funds in account so got mini statement and low and behold ive been debited twice for my shopping has this happend toanyone else and how did it get resolved
i went into the bank and said theres nothing they can do i just have to wait and see if it gets updated but i havent kept my reciept from lidl so just wondering what you guys would do next???:mad:

djheath

Go and speak to lidle with your mini statement showing the two transactions. It may take a while but they should be able to see the extra transaction when they balance the tills.

I know when my friend forgot to pick up her cash back from a supermarket, they just went through the till statements and saw there was a discrepancy so were able to make a payment back. It did take a few days though whilst they sorted it out.

Mikeyorks

It's unlikely there is an 'extra' transaction.

It's reserved the funds twice - but they will only take it once. However, if nothing is done the extra 'reserved' sum will be unavailable to you until your Bank give up waiting for the non existent debit and 'un-reserve' the money. That normally takes around 7 working days.

Your Bank are correct there is nothing they can do, as your card was obviously presented right through to them for authorisation ... twice. The problem was either finger trouble at the check out or a problem between Lidl and their 'merchant acquirer' who collect the funds from them.

If you had the original till receipt .. it has an authorisation code and Lidl should be able to track it .... and then get their merchant acquirer to fully void the previous transaction for the same value. That would take the 'hold' off the extra funds.

Without the receipt (you really have to keep them - until the money is showing on your Bank statement!!) .... you can only try Lidl and see if they can find the transaction? Exact value / time / till .... would help?

melie3

you say you bought yesterday so has it actually gone out, or is it pending???

i have had this before with my abbey account. bought something from Gap which they apparently get 2 authorisations for, but actually on one goes out. didnt help that it was for £50 and i had 48 left and as this was holding on my account i couldnt actually take any money out.... i hate abbey!!! but i did get £30 compensation for the hassle.. my advice DEAL WITH CASH if you can
regards mel

destiny_star2006

i hate paying with stuff on card cos for some reason the money always goes back into my account on a fri and the first few times i thought id got some spare cash and then withdrew it and got 25 od charge from bank for having no funds in!
But on the other hand i like to pay by card as i always find i spend less then having the cash in my purse so it helps me save a little!

Mikeyorks

melie3 wrote: »

bought something from Gap which they apparently get 2 authorisations for .... i hate abbey!!!

Are the two related? If Gap managed to get your authorisations duplicated .....why is that Abbey's fault?

Mikeyorks

destiny_star2006 wrote: »

i hate paying with stuff on card

.... bit unsure whether to take that as a reply or not .. crystal ball a bit hazy today!

If you want to free up the extra money that's been reserved(?) .. read the bottom 2 paras of post #3.