£99 deposit on fuel.

2e0arr wrote: »

Have a look at these principles ?
Principle 3 Management and control...A firm must take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management system.

Principle 6 Customers' interests...A firm must pay due regard to the interests of its customers and treat them fairly.


Principle 7 Communications with clients...A firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading.
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And? As i said, they're free to make the rules within those principles.

In the example I gave, setting an annual charge would be fair because they're a business providing a service and - here's the important bit - someone has to pay for it. If you only use your debit card in cash machines then they have the cost of providing the card and the auth systems that you're using but they're getting nothing in return. That's not how businesses work.

In the example of the fuel pumps, it's fair to pre-auth to ensure you're not pumping fuel you can't afford. Their rules call for that pre-auth to be lifted promptly, if certain banks fail to do that then it's an issue with the banks, not with their rules.

Joe_Horner wrote: »

Their rules call for that pre-auth to be lifted promptly, if certain banks fail to do that then it's an issue with the banks, not with their rules.

It's not an issue with the banks it's the retailer trying to use a system in the way it was never designed to be used.

Pre-auth can take up to 7 days to be removed and that has always been the case. It was never designed to be used as a same day system

One retailer will never get the banking system as a whole to change their system. However what they will achieve is a loss of customers on a once bitten twice shy reaction.

The retailer needs to find a system that works WITHIN the current banking processes, not use a a process inappropriately.

Joe_Horner wrote: »

And? As i said, they're free to make the rules within those principles.

In the example I gave, setting an annual charge would be fair because they're a business providing a service and - here's the important bit - someone has to pay for it. If you only use your debit card in cash machines then they have the cost of providing the card and the auth systems that you're using but they're getting nothing in return. That's not how businesses work.

In the example of the fuel pumps, it's fair to pre-auth to ensure you're not pumping fuel you can't afford. Their rules call for that pre-auth to be lifted promptly, if certain banks fail to do that then it's an issue with the banks, not with their rules.

You are correct.
i would have preferred a pre authorised amount of £100 or more so that a consequential loss section 75 claim could have been made on the day.