Verified by Visa....

richard104

richard104

richard104

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Joined
8 Nov 2006
Posts
420
Location
Loughborough
Hi

So, I tried to buy some house insurance through the famous red telephone company and got to the Verified by Visa page. I entered my password and it failed, so I wrote my password down to count the letters and input them into the form hit enter and was confronted by "This page cannot be displayed" or of something with a similiar ilk. I closed the browser as I thought if I refresh I may end up paying twice....:S

I relog on to "Check Existing Policies" and it's still left as "Retrieve and Buy", odd I thought so I checked my bank account and the amount to be paid has been reserved twice from my account (i.e it says I have £300 but only £0 available).

Direct Line have no register of me using my card there at all and my bank says that an insurance company has debited my card twice....after several calls to DL and getting several different versions, the latest being "that the money will bounce back within 10 days, can I put you onto the sales team??"

Has anyone else been in a similar situation?? I.E money lost in the ether
 
Lost in the ether? Yep, Santander lost all my savings for a good week and wouldn't/couldn't tell me what happened. Not a small amount either.

They eventually found it, so I transferred all of it away to another account. Will never go with them again.

Can you not cancel the transaction if the money has only been reserved? i.e. it hasn't really left your account yet?
 
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Craig321 said:
Lost in the ether? Yep, Santander lost all my savings for a good week and wouldn't/couldn't tell me what happened. Not a small amount either.

They eventually found it, so I transferred all of it away to another account. Will never go with them again.

Can you not cancel the transaction if the money has only been reserved? i.e. it hasn't really left your account yet?
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Oh dear that must have been nerve racking it's bad enough when it's only £300!!

The transaction itself hasn't showed up on my internet banking, as far as I understand it's in a middle ground between Nationwide and DL but more towards DL....I'll have to phone the bank again I think.
 
richard104 said:
Oh dear that must have been nerve racking it's bad enough when it's only £300!!

The transaction itself hasn't showed up on my internet banking, as far as I understand it's in a middle ground between Nationwide and DL but more towards DL....I'll have to phone the bank again I think.
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A few years back I accidentally transferred enough money to my PayPal account to put me overdrawn. The money was still listed as a reserved transaction, so I just called the bank and they cancelled it for me no problem.

They may do the same for you?
 
Craig321 said:
A few years back I accidentally transferred enough money to my PayPal account to put me overdrawn. The money was still listed as a reserved transaction, so I just called the bank and they cancelled it for me no problem.

They may do the same for you?
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I'll give them a ring now, thanks Craig.
 
Verified by visa is crap :( it keeps denying my purchases through OcUK (and a couple of other places) big or small now despite having used them regularly for a very long time, each time getting an anti-fraud flag on the card and the associated hassle getting it cleared, each time my bank telling me they've had it sorted and it shouldn't happen again, think next time it happens I'm gonna lose it and give them some serious grief.
 
I hate Verified by Visa and the MasterCard equivalent. I quite often forget my password and end up emptying my basket and going to a different e-tailer who doesn't force me to do it!
 
I have that feature - always allows me to enter a new password ('cause I always forget 'em). Never got between me and a purchase.
 
richard104 said:
Hi

So, I tried to buy some house insurance through the famous red telephone company and got to the Verified by Visa page. I entered my password and it failed, so I wrote my password down to count the letters and input them into the form hit enter and was confronted by "This page cannot be displayed" or of something with a similiar ilk. I closed the browser as I thought if I refresh I may end up paying twice....:S

I relog on to "Check Existing Policies" and it's still left as "Retrieve and Buy", odd I thought so I checked my bank account and the amount to be paid has been reserved twice from my account (i.e it says I have £300 but only £0 available).

Direct Line have no register of me using my card there at all and my bank says that an insurance company has debited my card twice....after several calls to DL and getting several different versions, the latest being "that the money will bounce back within 10 days, can I put you onto the sales team??"

Has anyone else been in a similar situation?? I.E money lost in the ether
Click to expand...

This is called shadowing where the purchasing website has checked to make sure the funds are available , then tried to Auth the payment obviously in your case it failed , but your bank has a duty to mark the funds as spent for a period of time Santander been 7 working days and HSBC been the best at 3-4 working days.

If you speak to your bank and you get lucky with someone who understands shadowing you can get it forced through.

Can you tell the company I work for is a Tier 1 C&P merchant massive headaches with stuff like this!
 
Never signed up to it, it keeps asking me to every time I use a transaction. Glad I never did.
 
I like Verified by Visa on my new TSB debit card, mainly because it isn't active so it just looks like its loading then skips it entirely. :/
 
Azza said:
I like Verified by Visa on my new TSB debit card, mainly because it isn't active so it just looks like its loading then skips it entirely. :/
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Same, they are still doing verified by visa but scoring your risk and deciding to not bother you.

How people get hassled by banks for repeatedly shopping at the same sites I don't know - idiotic systems imo.

Lloyds tsb also don't bother you with pin readers to login to online banking, they just phone the registered number and ask you to confirm some numbers when you do something critical like add a new payment recipient. Also when abroad they don't block your card for having the audacity to use it without telling them you were travelling - they just send you a text to let you know it was used.

Honestly, if my branch ends up being one moved to the coop, I think I'll just close my account and open a new lloyds one.
 
2bit said:
I have that feature - always allows me to enter a new password ('cause I always forget 'em). Never got between me and a purchase.
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Haha, me too, most online shops I use don't ask for it, so I very rarely use it. Which means when I do need it, I can't remember my password.

The best thing about this is, when you do a password reset you can't use the same password as before, so you then have to think up a new password which you're even less likely to remember next time XD
 
I had similar with my CC when booking a training course when I left the Navy.

The training provider took my details over the phone, entered them and got a refused. She then tried again and was refused again. When I went to use my card in the shops a few days later, it was declined.

Upon investigation, it was showing that there was reservations of funds for the two declined transactions, even though the company had cancelled them.

It took several phone calls between provider and CC company and then me getting hold of the transaction codes from the CC company, sending them to the provider and them then faxing the codes on letter headed paper back to the CC company for them to finally cancel the reservations on the card.

Is slightly off topic as not related to 'verified by Visa' but may be an option for you to use
 
Shelster, I was also given the transaction codes for the two debits but Direct Line said that their system couldn't pick up those codes so they couldn't do anything.

Nationwide also stated that they couldn't retrieve the funds until they are refused automatically by Direct Line and come back to my account.

Divaboy, I'll try using that term if I still haven't heard anything, Cheers.

Rich
 
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