De facto answer to this....

Caporegime
Joined
8 Sep 2005
Posts
30,642
Location
Norrbotten, Sweden.
Ok so....

I bought 2 things online from a smaller online private retailer. They use sage pay, which always makes me cringe.

Both items showed as being in stock and my debit card was showing as reserving a £100 payment - but to not a specific name.

The company tells me all items will be dispatched next day delivery.

I receive no dispatch emails, i think nothing of it, sometimes things can take a few days. No rush.

Next day out of the blue i receive half the order by courier, with a very crude note "other half to follow" I curse, as is the custom with such things.

I check my mail. Still no dispatch mail. Still full amount of money reserved for a purchase.

5 days pass. I start to think that the definition of next day delivery is a bit stretched so i email them wait 2 more days with no reply. No dispatch mails.

I email again, 2 days pass, no reply. I start googling the retailers name and find a review site with 40+ negative reviews about the very same issue that i'm experiencing. Half filled orders, lies about items being stocked, impossible to speak to them 0844 number with 1 hour waiting times. All the bad things an online retailer should try to avoid to stay in business. :)

OK cut to the chase, The bank has unreserved the money in my account and its back. The retailer hasn't debited me. Can this company re-pull the 100 quid without my authorization when and IF they send the second part of this order? The reviews say they basically lie and hardly anyone gets their second part of the order. However if the items was in stock at the time the company operates with no issues at all!

I don't wanna name any company.
Items are clothing.
I have the money, not fraud, just wondering how this can work if i cancel rest of order (that will never show up if reviews are to be believed)?

I bought he other half of the order from another retailer now as i cant wait and will try to somehow cancel from the original retailer.

TL:DR - Can bank/retailer debit me again for purchase after 7 days without my permission?
 
Why don't you want to name them? You may want to highlight the question you're asking as currently it's lost in the middle of a lot of text, you'll end up with unhelpful responses (like this one) :)
 
Why don't you want to name them? You may want to highlight the question you're asking as currently it's lost in the middle of a lot of text, you'll end up with unhelpful responses (like this one) :)

i dont think it achieves anything slandering them but depending on how i feel later i could. Its no one to get excited about just a small family business i would assume.:D

im all for stupid answers as long as i get one from someone that works in retail or customer banking
 
I don't see how they could debit your account again as the retailer cannot hold on to your payment details, so will have no means of doing so. That's from my extremely limited understanding of how such transactions work!

But they don't sound like a particularly legit business...
 
I don't see how they could debit your account again as the retailer cannot hold on to your payment details, so will have no means of doing so. That's from my extremely limited understanding of how such transactions work!

But they don't sound like a particularly legit business...

Me neither but maybe they can their code is valid for 6 months.

i think they are legit their shopfront seems to do good business, they just have awful stock control and incompetent online staff.
 
Seems normal to show back in your account, it was just a prepayment authorisation, they have up to 6 months to claim it. Basically, it's just to check it's there in the first place. I've been caught out by it before, Makro did it to me, then it went back into my account without me realisind, i spent it, they claimed it about a month later and made me overdrawn, i got bank charges. It's a weird system. I don't live so close to the breadline now though so all's good and it wpn't happen again!
 
Didn't something similar to this come up recently, even after the visa reservation has naturally dropped off (after ~7 days) the retailer has up to 6 months to claim the payment iirc

Edit : this thread seems to confirm it http://forums.moneysavingexpert.com/showthread.php?t=651073

Nope, I thought this

Purchased my first plasma TV years ago. The company never charged me for it. Thought nothing of it, but later got the debit on my card 18 months later.

Spoke to a few people who work in credit, banks etc etc and they can charge you well after the sale.
 
Assuming the item turns up one day can i refuse delivery from the courier and that will count as a cancelled order and they have to refund me...?

Im thinking of ways to avoid a 1h international call or 100s of unread emails cancelling an order than may never be filled...

pain in the ass.
 
But how will you know that that's what it is to know to refuse it? Given how crap they've been thus far regarding notifications, it's going to be mighty difficult to refuse on the doorstep (unless there's absolutely nothing else that could be arriving at that point in time).

They sound grim to deal with.
 
Well quirky little update.

I just got an email from them saying they dont have stock from their supplier and they have cancelled my whole order. Very much like the negative reviewers said they would do.

Still haven't been charged for the other item they sent me.....

Not going to say anything

see you in fraudsters hell. :eek:
 
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