Don't use the TFL website if you've changed address and not told the bank

CaptainComedy

CaptainComedy

CaptainComedy

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well for the next 10 days I am £495 down.

I just moved into a new place and tried using the TFL website to top my oyster card. I changed the address on my account, went through the payment process and the card got declined, odd I thought because I knew there was definitely money on there. so I tried again (I know the card off my heart) and it got declined again!

so I went upstairs, grabbed the card, filled out the form again and it STILL got declined! I did this another 2 times thinking I had accidentally typed the barclays authorisation wrong. but nope still declined - I checked my bank balanace and it had 0. despite having 600 there.

so I phone the bank up and they tell me tfl requested the money but because the postcode they gave didn't match what the bank had, the bank had taken the money off the account but had not given it to tfl.

as a result I now have no money, no transport for work tomorrow and I have to wait 10 days before I can do something.

what kind of bank system removed money from your account and then declines to make payment AND not give the money back!!?? if it failed it shouldn't be taking money in the first place!!
 
Why is it TFL (Transport For London)'s fault that you have not updated you personal details with the bank.

You initiate a transaction with incorrect details and it all goes wrong?, shocking...absolutely shocking, the mindreaders at TFL and the bank need shooting.
 
BloodyL said:
Why is it TFL (Transport For London)'s fault that you have not updated you personal details with the bank.

You initiate a transaction with incorrect details and it all goes wrong?, shocking...absolutely shocking, the mindreaders at TFL and the bank need shooting.
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I entered in all the details requested correctly. it never asked for a postcode and if it had I would know what to enter. I was never told that the address needs to be correct to what the bank has, nor was I ever told it is a requirement.
 
codec said:
I entered in all the details requested correctly. it never asked for a postcode and if it had I would know what to enter. I was never told that the address needs to be correct to what the bank has, nor was I ever told it is a requirement.
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You would be complaining if someone made fraudulent transactions on your account and used a different address to order goods.

If you had updated your address as you should have done I don't see where the problem is.
 
codec said:
I was never told that the address needs to be correct to what the bank has, nor was I ever told it is a requirement.
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Common sense imo, I'm not agreeing that they should have taken the money and not paid it out because that's retarded. But it's common sense that address details are checked most of the time in transactions of this type.
 
kibblerok said:
Cant see why the bank has taken the money - it's either authorised or it isn't and should remain in your account.
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this is my point - when you go to tesco and buy £20 worth of food but only have 19 in there, it shouldn't be deducted and NOT given to tesco.

and what if I wanted to pay for a sibling or a child? I can't do that because the accounts address is different? then they should ask to provide card holders address!
 
Seconded. Scale this up by the number of people across Britain making a similar mistake at any point in time and that's a whole chunk of change, sitting in the bank's "limbo" account being lent out in loans to other bank users, for ten days, at no cost at all to the bank. They are government sanctioned thieves ... quicker society rejects the current banking system the better. Who exactly do you bank with ? I'm going to guess at Satander, sorry Santander
kibblerok said:
Cant see why the bank has taken the money - it's either authorised or it isn't and should remain in your account.
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Duh.

Shock as card declined to due addresses not matching!
It wouldn't have worked on any web site with any decent security measures.
 
barclays - they are usually good, but I spend an hour going back and forth just to get an authorisation number.

I don't hold TFL at fault - I blame the bank for crediting without authorisation.

@mjt - I don't care about it getting declined - I care about the credit being taken.
 
So you failed to update the details, and then fell afoul of fraud protections?

And this is anyone's fault but yours how?
 
While I agree that the fraud protection has done it's job in terms of stopping the transaction, I do see codecs side in that Barclays should have done the fraud protection checks before the withdrawal was made, not after (IE: antifraud-withdraw-deposit-checksum... not withdraw-antifraud-deposit-checksum.)
 
BloodyL said:
While I agree that the fraud protection has done it's job in terms of stopping the transaction, I do see codecs side in that Barclays should have done the fraud protection checks before the withdrawal was made, not after (IE: antifraud-withdraw-deposit-checksum... not withdraw-antifraud-deposit-checksum.)
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That, plus the 10 day wait to get it back.
 
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