Petrol Pump Payment Wrong
Discussion
Macski said:
Sister filled up with petrol, £46, paid using a debit card on the pump and was charged £2.
when i passed the petrol station later that day - my tank was full as a filled up earlier - there was a big queue for the pump, can people be charged with some sort of theft?
When I fill up often the charge on my card is £1 for up to 48 hours until the true value comes through. when i passed the petrol station later that day - my tank was full as a filled up earlier - there was a big queue for the pump, can people be charged with some sort of theft?
This could be the case here
cuprabob said:
Every time I've used pay at pump the take off a small amount and it is corrected a few days later when the payment is cleared.
I have found the opposite.Nothing is taken but £99 appears as a 'pending' transaction, which is then replaced by the actual amount in a few days.
It's pre-authorisation. The pumps will charge £1 to the card as a pre-authorisation, Depending on the type of account, some will record the sale virtually immediately or some will reduce the available balance on your account. Asda did go the route of doing full £99 pre-auths but there was uproar with people getting charged £99 for £20 worth of fuel and not being able to buy food until the pre-auth disappeared/corrected itself. They have now gone back to £1 pre-auths.
vikingaero said:
..... but there was uproar with people getting charged £99 for £20 worth of fuel and not being able to buy food.....
Just wow. Who says people aren't living hand-to-mouth?Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
Sheepshanks said:
Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
Depends on your card company.Amex list pending transactions on a separate page on the account on the website, others just list £x of pending/authorizations, others you can just work it out from the difference between the balance and the credit limit.
Sheepshanks said:
Just wow. Who says people aren't living hand-to-mouth?
Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
You can see them in online banking almost immediately. Normally a purchase sees all the money go out instantly with no actual value or purpose stated. So your account would be down £20 then in a few days when cleared you'd look again and it would state the £20 and where it was. Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
In this sense pre fuel they take a pre £1 essentially checking you have the correct details in. Asda did £99 knowing they would always have that money. Others then charge you upon completion the correct amount but this may not be processed for 48 hours.
Sheepshanks said:
vikingaero said:
..... but there was uproar with people getting charged £99 for £20 worth of fuel and not being able to buy food.....
Just wow. Who says people aren't living hand-to-mouth?Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
I guess that if you aren't living hand to mouth you'd never notice. It was only that I was checking my bank account to see if a holiday booking had cleared.
euphoricmess said:
PF62 said:
I have found the opposite.
Nothing is taken but £99 appears as a 'pending' transaction, which is then replaced by the actual amount in a few days.
Asda by any chance? There was some media backlash on their method and they intended to change itNothing is taken but £99 appears as a 'pending' transaction, which is then replaced by the actual amount in a few days.
t so got deleted as soon as I got my free £10 from Amex for using it).Sheepshanks said:
Just wow. Who says people aren't living hand-to-mouth?
Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
They don't show on a statement as no money leaves or goes into the account. From personal experience, I bank with HSBC and if I view my online account after using the pay at pump thing it might say (for example): Account: £1,000.00 Available funds: £999.00.Apart from having transactions declined, do these holds show on the card statement - how do people know about them? I've never heard of them before.
The missing £1 is the authorisation thing as other have said above.Sadly that disappears and is replaced by a -£75 when the actual transaction goes through.
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