"Failed Payment" - but nobody knows?
Discussion
I had an argument with the HMRC last week where they were insisting I'd paid nearly £3k more than I'd actually paid. Took a while before they finally realised they'd allocated one payment twice. You just know that, if I hadn't pushed the point to resolution, then at some point down the line they'd realise and their default position would be I owed them money, all my fault, payment overdue, legal action threatened etc.
At some point the company will notice. It might be next week, it might be next year. The more time goes by the less likely they are to chase you for it, but it's no guarantee. If they really won't take your money then keep all correspondence, and put the money aside somewhere and forget about it for a few years.
If you do, it might be worth contacting them again in 12 months time and get them to put something in writing again.
If you do, it might be worth contacting them again in 12 months time and get them to put something in writing again.
Sounds like the payment was authorised but never settled on their side. Chances are they won't notice until they reconcile their records with the their bank and CS staff are unlikely to have any access to this side of things so will only be able to see that on their system you've paid it off.
It may well be that the business simply has a policy of writing these costs off. Much smaller scale but one place I worked at we never challenged charge backs on cards, once we had worked out the time required it was just cheaper to absorb the cost.
Calling them back, writing letters, etc. won't work as it simply won't fit into their processes. Just hang onto the money and wait to see if they figure it out.
It may well be that the business simply has a policy of writing these costs off. Much smaller scale but one place I worked at we never challenged charge backs on cards, once we had worked out the time required it was just cheaper to absorb the cost.
Calling them back, writing letters, etc. won't work as it simply won't fit into their processes. Just hang onto the money and wait to see if they figure it out.
Zetec-S said:
At some point the company will notice. It might be next week, it might be next year. The more time goes by the less likely they are to chase you for it, but it's no guarantee. If they really won't take your money then keep all correspondence, and put the money aside somewhere and forget about it for a few years.
If you do, it might be worth contacting them again in 12 months time and get them to put something in writing again.
They may notice, they may not.If you do, it might be worth contacting them again in 12 months time and get them to put something in writing again.
I'm in the 'sit on it' camp like so many other posters, you've done more than most people would have already.
anonymous said:
[redacted]
My father-in-law had a new car and they never took the payments from the bank. He assumed they would take a double payment the following month but didn't. 3 years later he sold the car with only ever paying the deposit in the showroom. Nobody ever chased him for money. It does happen, but pretty sure it's a rare occurrence.
what if your bank have refunded/ cancelled the transaction at your end because you have reported the card as lost? Maybe something happened at that end, eg the card has been reported lost- system thinks its a fraudulent transaction, refund the customer, but not reversed/ cancelled at the other end....
I'd have thought the bank would've been on it a lot quicker. but def just sit on the cash for now.
I'd have thought the bank would've been on it a lot quicker. but def just sit on the cash for now.
In order to put your mind at rest I have a special escrow account you can keep it in,it pays 22% interest. Put it in there and if the Company asks for it I can pay them,and forward the rest to you.
Sounds to me that the most likely answer is confusion with the fraud department.
As far as I am aware if you report a lost card the fraud department immediately suspends/holds/stops any unusual payments (and subsequently gets your authorisation for them or returns them to you)
My guess is that this department has refunded you the amount and the amount is sitting there as 'stolen' by the car company to be investigated at a future date.
As far as I am aware if you report a lost card the fraud department immediately suspends/holds/stops any unusual payments (and subsequently gets your authorisation for them or returns them to you)
My guess is that this department has refunded you the amount and the amount is sitting there as 'stolen' by the car company to be investigated at a future date.
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