Santander issues this evening?
Discussion
I’ve just been to top up with fuel, (£64), and my Santander card declined on both chip & pin and inserting the card.
I know it isn’t a funding issue, as I checked this morning and there was over £700 in that account. No DD’s go out of that account. It’s merely a ‘pocket money’ account.
After putting the fuel on the credit card, I tried buying a loaf of bread on the Santander card, which was again declined for £1.59. Even if that account was empty, (which it isn’t), there’s a £50 overdraft on that account.
Has anyone else been having issues with Santander?
I know it isn’t a funding issue, as I checked this morning and there was over £700 in that account. No DD’s go out of that account. It’s merely a ‘pocket money’ account.
After putting the fuel on the credit card, I tried buying a loaf of bread on the Santander card, which was again declined for £1.59. Even if that account was empty, (which it isn’t), there’s a £50 overdraft on that account.
Has anyone else been having issues with Santander?
Unusual spending prior to that purchase ? Welcome to the super dooper way that banks protect their money !
Happened to Mrs. P.
She bought flowers on the way to see her sick mother at night when she found herself in a town she'd never visited before and this was enough for the bank to freeze her card. Next stop, fuel.
Declined.
f
k.
Luckily I was making the same journey in a separate car and had to divert and make payment.
Next day we gave the bank both barrels which resulted in a climbdown, an apology and an amount in compensation for the embarrassment and distress.
Happened to Mrs. P.
She bought flowers on the way to see her sick mother at night when she found herself in a town she'd never visited before and this was enough for the bank to freeze her card. Next stop, fuel.
Declined.
f
k.Luckily I was making the same journey in a separate car and had to divert and make payment.
Next day we gave the bank both barrels which resulted in a climbdown, an apology and an amount in compensation for the embarrassment and distress.
All appears ok with my online banking. I managed to successfully transfer £10 to another account last night as a test, but I’m loath to try the card in a machine for a cash withdrawal in case it swallows the card.
With how busy work I today, I don’t really have the time to ring the bank, let alone visit a branch, (which are probably closed New Years Eve).
No unusual purchases from that account. As I said, it’s a pocket money account, so through December it’s been fuel, and a few eBay purchases totalling maybe £200.
With how busy work I today, I don’t really have the time to ring the bank, let alone visit a branch, (which are probably closed New Years Eve).
No unusual purchases from that account. As I said, it’s a pocket money account, so through December it’s been fuel, and a few eBay purchases totalling maybe £200.
Pelicula said:
Unusual spending prior to that purchase ? Welcome to the super dooper way that banks protect their money !
Happened to Mrs. P.
She bought flowers on the way to see her sick mother at night when she found herself in a town she'd never visited before and this was enough for the bank to freeze her card. Next stop, fuel.
Declined.
fk.
Luckily I was making the same journey in a separate car and had to divert and make payment.
Next day we gave the bank both barrels which resulted in a climbdown, an apology and an amount in compensation for the embarrassment and distress.
Always have a back-up... I carry one CC and one DC, from different banks. And some cash secreted in the car in case I leave my wallet at home (learned that one the hard way!)Happened to Mrs. P.
She bought flowers on the way to see her sick mother at night when she found herself in a town she'd never visited before and this was enough for the bank to freeze her card. Next stop, fuel.
Declined.
f
k.Luckily I was making the same journey in a separate car and had to divert and make payment.
Next day we gave the bank both barrels which resulted in a climbdown, an apology and an amount in compensation for the embarrassment and distress.
Simpo Two said:
Always have a back-up... I carry one CC and one DC, from different banks. And some cash secreted in the car in case I leave my wallet at home (learned that one the hard way!)
I had a strange criminal occurrence and since then have stopped using all my debit cards.
That taught me that if something goes wrong then,
with a debit card the bank is in charge,
with a credit card the customer is in charge.
My debit card fraud instance, meant I could not get my money back, even though I was legally entitled to have it.
Fortunately it involved a very modest 'initial test' fraud transaction, otherwise I would have continued to fight.
Here is another tip for you. involving wallets. For the very first time, I recently mislaid my wallet. I am like the King though, so there was no cash inside.
Anyway, I tell a joke when showing someone my tiny new Samsung Smart Tag. "This is what you buy, after you have lost your wallet." -
A very clever cheap device. If you might be one of the wealthy Apple customers, they also sell their own version, but it probably costs more than the Samsung. Two separate systems.
Edited by Jon39 on Saturday 31st December 13:02
Jon39 said:
Anyway, I tell a joke when showing someone my tiny new Samsung Smart Tag. "This is what you buy, after you have lost your wallet." -
A very clever cheap device. If you might be one of the wealthy Apple customers, they also sell their own version, but it probably costs more than the Samsung. Two separate systems.
Sounds like something you have on your ankle after an ASBO...A very clever cheap device. If you might be one of the wealthy Apple customers, they also sell their own version, but it probably costs more than the Samsung. Two separate systems.
okgo said:
Obviously anyone born this side of the 70’s will use their phone. Far more secure and no need to carry a wallet ever again.
You can lose a phone or have it stolen just as easily as you can lose a wallet - in fact probably more because nobody spends all day fondling their wallet, putting it on tables to stare at or poking it incessantly every time they go for a walk...okgo said:
Obviously anyone born this side of the 70’s will use their phone. Far more secure and no need to carry a wallet ever again.
Do you just use the major credit cards on your mobile phone, or debit cards as well?
Obviously used only as a quick, convenient and easier way to pay, with the discipline of always settling in full before the due date.
Even better if the card has an annual cash back, so you then make money by using it.
My point was that debit cards can have an unexpected risk for the user.
Credit cards leave the 'merchant' carrying that risk.
Simpo Two said:
Jon39 said:
Anyway, I tell a joke when showing someone my tiny new Samsung Smart Tag. "This is what you buy, after you have lost your wallet." -
A very clever cheap device. If you might be one of the wealthy Apple customers, they also sell their own version, but it probably costs more than the Samsung. Two separate systems.
Sounds like something you have on your ankle after an ASBO...A very clever cheap device. If you might be one of the wealthy Apple customers, they also sell their own version, but it probably costs more than the Samsung. Two separate systems.
Oh, I wouldn't know anything about that John.
Suggest that you might like to take a glance, so that you become aware how they work. YouTube have some videos.
There is quite a fun one, where tags were put in postal packages, to a selection of different destinations around the world.
The parcel delivery firms had a game, because the sender knew more about where the packages were, than they did at times.
A couple became lost, but the tags knew they went to the wrong country.
ASBO type people could use these tags for .... you will work it out.
Jon39 said:
Suggest that you might like to take a glance, so that you become aware how they work. YouTube have some videos.
There is quite a fun one, where tags were put in postal packages, to a selection of different destinations around the world.
The parcel delivery firms had a game, because the sender knew more about where the packages were, than they did at times.
A couple became lost, but the tags knew they went to the wrong country.
Better still, I could Bluetooth my bank account to my car via an app, use a car phone to send it to my house, then I could wifi it across the living room via the cloud to a printer which generates a QR code which I then scan with a mobile telephone internet receiving device so I can see how much - no actually a wallet is fine. When it stops working maybe I'll look at other options There is quite a fun one, where tags were put in postal packages, to a selection of different destinations around the world.
The parcel delivery firms had a game, because the sender knew more about where the packages were, than they did at times.
A couple became lost, but the tags knew they went to the wrong country.
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