This may have only happened to us, but thought it worth a mention.
I’ll try and make a very long story short.
We pre-authorised £125.00 for drinks at the hotel upon check in, and paid the £63.00 drinks bill on Sunday morning when we left. As far as we were concerned the pre-authorisation then just gets scrapped.
Ours didn’t. I noticed this morning the £63.00 had been taken but our bank account was also £125.00 short, and phoned the bank, who told me the hotel still had it pending, so they still had it authorised and out of our balance availability. I was told if the hotel hadn’t taken it in 10 days, it would be returned to our account, unless the hotel cancel it.
When I rang the hotel, they said it couldn’t be cancelled unless they physically had our card in front of them, in other words, they SHOULD have done this on Sunday morning.
4 VERY frustrating phones calls later with Debbie on reception at the Whitehouse, it’s finally sorted, but would you believe, she had to fax all our booking information and pre-authorisation slips to the bank’s FRAUD department before they could do so.
I do hope ours was a one off, but if anyone is feeling a bit ‘light’ at the moment it might be worth checking.
That’s the 10 days from the Xmas bash then Gavin, seems a bit of a strange system, especially if they don’t notify people when they make the pre authorisation.
:shock: What you are only spending £100 on your beloved, tut, tut :lol: :lol: :lol:
Yeah mine is still £200 as authorized and not been cancelled yet…will sort it with the hotel, thought they would have cancelled it when the amount used was paid for as i only had £122 to pay. Thanks Tracie for bringing it out attention.
[quote]That’s the 10 days from the Xmas bash then Gavin, seems a bit of a strange system, especially if they don’t notify people when they make the pre authorisation.
:shock: What you are only spending £100 on your beloved, tut, tut :lol: :lol: :lol:[/quote]
Has no one noticed before that whenever you do your weekly or monthly food shopping on line
that your bank or card account is immediately check by the company making a pre- request for
£2 which is taken from your balance on top of what your actual bill is that you paid… I check on
this and was told by one of my card suppliers that it is standard and will only be removed after
the company you bought your shopping from has actually received all their money credited into
their own account… This can take 3 to 4 working days and is only the company that you did your
shopping on line with that can remove the requested holding amount… As for needing a card to
release the held amount… I can only assume was their having not yet received the full payment
credited into their own account.
At first I thought this was a con by the card company themselves and is what made me check…
Work it out… if they have say one million customers and take £2 for 3 or 4 days from half their
customers accounts and then when paid back take it from the other half of their customers then
they would have a running balance / free loan of one million ponds that could be used towards
financing new card customers and would grow with each new customer they get… But I was
completely wrong yet it did make sense until having it explained.
[quote]Has no one noticed before that whenever you do your weekly or monthly food shopping on line
that your bank or card account is immediately check by the company making a pre- request for
£2 which is taken from your balance on top of what your actual bill is that you paid… I check on
this and was told by one of my card suppliers that it is standard and will only be removed after
the company you bought your shopping from has actually received all their money credited into
their own account… This can take 3 to 4 working days and is only the company that you did your
shopping on line with that can remove the requested holding amount… As for needing a card to
release the held amount… I can only assume was their having not yet received the full payment
credited into their own account.
At first I thought this was a con by the card company themselves and is what made me check…
Work it out… if they have say one million customers and take £2 for 3 or 4 days from half their
customers accounts and then when paid back take it from the other half of their customers then
they would have a running balance / free loan of one million ponds that could be used towards
financing new card customers and would grow with each new customer they get… But I was
completely wrong yet it did make sense until having it explained.[/quote]
[quote]Has no one noticed before that whenever you do your weekly or monthly food shopping on line
that your bank or card account is immediately check by the company making a pre- request for
£2 which is taken from your balance on top of what your actual bill is that you paid… I check on
this and was told by one of my card suppliers that it is standard and will only be removed after
the company you bought your shopping from has actually received all their money credited into
their own account… This can take 3 to 4 working days and is only the company that you did your
shopping on line with that can remove the requested holding amount… As for needing a card to
release the held amount… I can only assume was their having not yet received the full payment
credited into their own account.
At first I thought this was a con by the card company themselves and is what made me check…
Work it out… if they have say one million customers and take £2 for 3 or 4 days from half their
customers accounts and then when paid back take it from the other half of their customers then
they would have a running balance / free loan of one million ponds that could be used towards
financing new card customers and would grow with each new customer they get… But I was
completely wrong yet it did make sense until having it explained.[/quote]
No Alan, think that’s just you on that one. [/quote]
Don’t quite get your reply Gav… Yes was me getting it wrong thinking the card company was on
a con but the company explained to me why the £2 appeared to go missing ever week when we
do our shopping on line
What I meant was it sounds like bs, of all the cards, accounts etc ivehad overt heydays this has never happened. Bearing in mind I checkmy balance on all my accounts constantly on online banking, banking apps and cash points (it just so happens that’s this is how I spend my day dipping in and out of the bank accounts constantly) and this has never happened. I can tell you some amazing bs facts about the banks clearing times, clearing amounts, what they take first and all the lies they tell you.
My favourite one is business banking charges, they Can’t tell you what it’s gonna be so you can’t budget for it. It gets debited from your. Account on the last working day of the month but guess what, you can check your account every minute up until midnight and you won’t see if leave your account. Again remeber this is a business account so most shops etc shut at 6. Check your account the next day and magically the. Money has come out the day before, wtf when did that happen I was checking it all night!!! Then when you query it with the bank they won’t give you. An answer on it, it’s a con, designed to make you go artificially overdrawn so they get more fees. Mf’s!! There’s loads if sneaky stuff like that, oh yeah andhow come it only takes revenue and customs 3 days to clear a cheque but everyone else takes 5 minimum. I’ll shut up now.
Firstly what would be the point of making up but perhaps it is BS but that is what I was told…
We do our shopping with Tesco’s on line every week as it costs me more in petrol to drive from
the village where I live to the nearest supermarket than Tesco’s charge for delivery… I have a
bank account and a few credit cards with all having been used at some time or other to pay
Tesco’s on line for our weekly shopping… every time on the same day that the order is placed
and paid £2 has come from the balance of whichever I used to pay for it… The full amount of the
shopping bill is then taken on the morning of the delivery day but the £2 is still held from my
balance for a further 2 or 4 days when eventually the balance goes back up by the missing £2…
It’s happened every week for over a year apart from the week before last which was explained by
Tesco’s phoning us up on the morning of the delivery to say that the card hadn’t gone through, so
paid using a different card… I phoned the card company to find out why the card hadn’t gone
through and was told my wife had mistyped the wrong exp. date so was rejected but while on the
phone I thought to ask what this £2 was for and that’s what I was told… Funny we used the same
card that hadn’t gone through that week before to pay for this last weeks Tesco’s shopping and
since my questioning the £2 It didn’t show the £2 was taken this week which left me and my
wife thinking something else had gone wrong… but it hadn’t and went through as it should…
I probably keep a closer eye on my Bank and cards than even you do Gav… My wife says I’m a
penny pincher as I know where every last penny has been spent… perhaps she’s right.
