Has this ever happend to you ?

teulk · 8 Jul 2007 at 15:11

My girlfriend bought me a graphics card from another online store for £98, it went through all the processes i.e security check all the way through to payment being taken and invoiced and its even with the courier to be delivered tomorrow (monday) - now she checked her bank account on friday and the cost of the item had been taken off but then she checked again yesterday day her bank balance is as it was before the cost was taken out........so basically the incvoice says payment has been taken but the bank account seems to say otherwise now...........at the moment it looks as if ive got the card for free :eek:

Obviously the money will stay in the bank to cover the cost of the item but what is a reasonable amount of time for the company to decide its made a mistake and recvcover its cost by re-billing my g/f.

teulk · 8 Jul 2007 at 15:20

Monkey Puzzle said:
Hmm, give it a few more days at least - probably just not gone through the system yet as it's over the weekend.

But the payment was showing as being taken from her account and now its not.........im sure it will sort itself out all by its self

Yeah she got me a sapphire x1950gt 256mb

teulk · 8 Jul 2007 at 17:09

Oh the funds will be available there will be no problem there, her "available balance" did reflected the money being taken (or set aside as mentioned) but then it didnt a day or so later, so it looked like it had been taken and now it shows it hasnt

teulk · 8 Jul 2007 at 19:04

Vixen said:
Yes, the pending transaction doesn't sit on the account for very long, so it is no longer affecting the available funds. It just means the store is slow at claiming funds from the bank.

On my account pending transactions sit there until it actually shows its been taken from my account and showing on my online statements ( this could be a few days) the pending transactions affect my available balance also........i.e if i have a balance £200 and i buy aomething for £100 my account would show Balance £200, Available funds £100 and thats how it stays until the money has completely cleared - I guess some banks work diffently..........im guessing you work in a bank or something

teulk · 8 Jul 2007 at 19:05

droolinggimp said:
A graphics card!? Is that it?

Well its the little things that count, next month she's gonna buy me a car - how nice is that

teulk · 8 Jul 2007 at 19:13

i keep telling her that size doesnt matter

teulk · 8 Jul 2007 at 19:21

Monkey Puzzle said:
Not sure how much of a defence that is if the bank gets stroppy!

Im not worried, 1. my girlfriend bought it so its her money

2. the money is going to stay there until they finally take it, if its not taken by friday then a phone call will made to the company.......ok i know we could just stay quiet if it dont come out as things like this have a nasty habbit of catching up with you and biting you in the backside