WHAT THE HELL PAYPAL!?

Omaeka said:
I made this topic out of shock hoping one or two people; preferably guys like H, could answer and I could be done with it, I hardly expected every man and his dog to give their two cents. Then again this is a forum huh, should have expected some know it all life guru's to come and try and look like they got da big smurtz in der hed-brenz, off of my back. I accept I'm ignorant to all of this, really don't understand what the big problem is, I'm pretty sure none of you would speak to somebody you didn't know face to face in such a manner in the real world.
Click to expand...

What's the reason why you can't check your bank statement then? Paypal only ever deposit two amounts (under a £1) to verify your account.

Seeing your statement would show where the £3 has actually gone, and then when you have proof you can blame it on Paypal (highly doubt it).
 
moogle said:
What's the reason why you can't check your bank statement then? Paypal only ever deposit two amounts (under a £1) to verify your account.

Seeing your statement would show where the £3 has actually gone, and then when you have proof you can blame it on Paypal (highly doubt it).
Click to expand...

Nationwide.co.uk don't update statements often at all from what I've seen using it, also I have no idea what 'balance and available' means, but I suspect its something to do with a statement, and when the available becomes my actual balance, that's when a statement will be released?

As I've said, I'm ignorant and pretty new to all this, so if anyone wants to come in just to point that out, you better bring your overcoat, fedora, monocle and smoking pipe.

Just bored of people like that, been dealing with them over almost every forum for the past 10 odd years.
 
Omaeka said:
Nationwide.co.uk don't update statements often at all from what I've seen using it, also I have no idea what 'balance and available' means, but I suspect its something to do with a statement, and when the available becomes my actual balance, that's when a statement will be released?
Click to expand...

Are both 'balance' and 'available' monetary figures? If so, 'balance' is how much you've got in your account. 'Available' is how much you are allowed to withdraw at the moment (usually your balance + overdraft).
 
ZombieFan said:
Are both 'balance' and 'available' monetary figures? If so, 'balance' is how much you've got in your account. 'Available' is how much you are allowed to withdraw at the moment (usually your balance + overdraft).
Click to expand...

I don't have an overdraft setup and don't need one at the moment. The balance has stayed the same since I put what I needed into my account, yet available has dropped every time I've purchased something from Steam by the correct amount. I think the money in between is just pending payments that Steam haven't collected yet, either that or its like I said above about the statements.

My 'getting started' booklet and FAQ's on the website don't really explain it. :confused:
 
Balance = What is actually there.

Available = What is there minus anything outstanding. This means that if you bought something at say.. Tesco using your debit card, they have three days to present that charge to the bank. So whilst you authorised it on your card with chip/pin whatever, it may take upto three days for you 'Balance' to show it... whilst your 'Available' amount will take into account that are likely to owe money. So essentially Balance = Balance minus Things authorised but not paid yet.
 
Make an appointment with someone in your branch to talk everything through with them. Seriously, it'll be worth it. It's your money and you might be dealing with small amounts now but down the line you'll need to know what these things mean. If your bank can't give you realtime info on exactly where your money is going when a purchase is shown in your account then they aren't up to scratch. HSBC show every single transaction in and out as soon as it's hit the account or left it, along with recipient or sender and the exact value. As they should. If your bank can't/won't do that then that's just ridiculous and you should change banks.
 
Scougar said:
Balance = What is actually there.

Available = What is there minus anything outstanding. This means that if you bought something at say.. Tesco using your debit card, they have three days to present that charge to the bank. So whilst you authorised it on your card with chip/pin whatever, it may take upto three days for you 'Balance' to show it... whilst your 'Available' amount will take into account that are likely to owe money.
Click to expand...

I thought so, I don't understand Nationwide and their statements though, the 'mini-statements' and 'full statements' that I can access show me nothing whatsoever except the payments I've made to and from my personal accounts tied to me.

I guess I won't get a statement until the outstanding payments are claimed by Steam, which means I couldn't get one even if I wanted? If so... Well well well. ;)


mothermachine said:
Make an appointment with someone in your branch to talk everything through with them. Seriously, it'll be worth it. It's your money and you might be dealing with small amounts now but down the line you'll need to know what these things mean. If your bank can't give you realtime info on exactly where your money is going when a purchase is shown in your account then they aren't up to scratch. HSBC show every single transaction in and out as soon as it's hit the account or left it, along with recipient or sender and the exact value. As they should. If your bank can't/won't do that then that's just ridiculous and you should change banks.
Click to expand...

Yeah I will later, if Nationwide are even open past 6PM (see, this is how little I know about Banks :p).

'It's your money and you might be dealing with small amounts now but down the line you'll need to know what these things mean.'

This is the exact reason I'm still making a fuss over all this.
 
Last edited:
Omaeka said:
I don't have an overdraft setup and don't need one at the moment. The balance has stayed the same since I put what I needed into my account, yet available has dropped every time I've purchased something from Steam by the correct amount. I think the money in between is just pending payments that Steam haven't collected yet, either that or its like I said above about the statements.

My 'getting started' booklet and FAQ's on the website don't really explain it. :confused:
Click to expand...

The amounts will differ if you purchase from a card.. i.e. if you have £100 in your account but make a card purchase of £10 your balance will still show £100 whilst your available balance wil show £90. The amount will match once the money has been collected.

The thing with Overdraft is it's never technically a balance amount as it is a minus figure that when your paid you will need to repay....if you did have an overdraft set up than it would show your balance plus overdraft like my crude example below.

Balance:
£100.00

Available:
£200.00

Hope this hasn't confused you more, but seriously this is in a PC Games message board.... move on lol.
 
Rusko187 said:
The amounts will differ if you purchase from a card.. i.e. if you have £100 in your account but make a card purchase of £10 your balance will still show £100 whilst your available balance wil show £90. The amount will match once the money has been collected.

The thing with Overdraft is it's never technically a balance amount as it is a minus figure that when your paid you will need to repay....if you did have an overdraft set up than it would show your balance plus overdraft like my crude example below.

Balance:
£100.00

Available:
£200.00

Hope this hasn't confused you more, but seriously this is in a PC Games message board.... move on lol.
Click to expand...

Well I know what to do know, think I've learnt something here. Thanks.

Gimpymoo said:
It is Paypal who will be claiming the money, not Steam.
Click to expand...

For the Humble Bundle yeah, I just meant everything inbetween available and balance, 90% of it belongs to Steam.
 
Omaeka said:
Somebody leads a rather empty unsatisfying life, go find something better to do with your time; like baking some angel cakes? :rolleyes:
Click to expand...

Perfect Idea!

I will buy the ingredients on my debit card. Then in 3 weeks time when I realise that I am missing £3 (which i could have used right about now!), I will go off on one on the Internet blaming pay pal, the banks, the Internet, and everyone else for the lack of my own ability to manage a bank account and my own personal finance.

Oh wait....
 
Hank_Marvin said:
Did you buy angel cakes? £3?


Hope you get it sorted though dude, good luck!
Click to expand...

-_- thanks, I guess.

Musty Pie said:
Perfect Idea!

I will buy the ingredients on my debit card. Then in 3 weeks time when I realise that I am missing £3 (which i could have used right about now!), I will go off on one on the Internet blaming pay pal, the banks, the Internet, and everyone else for the lack of my own ability to manage a bank account and my own personal finance.

Oh wait....
Click to expand...

969638-cool_story__bro_super.jpg
 
I apologise humbly if I've offended you in any way, that was not my intention and I truly hope that you get to the bottom of this as soon as possible so that it has no further implications to your financial status.

I've used http://www.saynoto0870.com/companysearch.php to find these numbers, one at local rate for the Nuneaton branch itself and one a free phone number for general enquiries.

01793 810597
and
0800 302010

Give them a call they will be able to see all activity both completed and pending, so will be able to help.
 
Many a fool accepts that the people/firms they use financially never get it wrong, they do.

So your right to make a fuss, doing so shows your not a fool and that you want to know where your money goes.

The fact you haven’t spent it elsewhere means its gone with that transaction. I’m betting it will turn back up in your account, probably with no reason given, or lets say hard to get. It will probably be a case of ‘who had it, who knows’.

The bank would be the first place to start, a quick phone call to your bank may clear everything up there and then.. Put mind at rest.

.
 
You must log in or register to reply here.
Back
Top Bottom