Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder Jim Beard Novitiate

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    Default Debit /Credit card authorisation codes

    Just a thought but evey transaction that is passed at the retail end has an authorisation code.

    If a transaction is authorised, how can you then be penalised when they have allowed it. The banks know to the nanosecond when you make a credit purchase but deem to ignore it so they can then penalise you.

    Entrapment?? Or am I losing the plot?

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  2. #2
    Site Team The Consumer Action Group Docubot has disabled reputation

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    But you're not being penalised - you are merely reimbursing them their costs that were incured through your mindless breach of their contracts.

    Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
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  3. #3
    Basic Account Holder robtuk Novitiate

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    Not every transaction is authorised there and then (apart from Solo and Electron cards)

    Shops have a 'floor limit' a good example would be 10. All transactions below this are authorised automatically by the shop (apart from a few which may be randomly checked).


  4. #4
    Basic Account Holder gerih Novitiate

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    That seems a good point though.If you could prove that they "manually intervened" and then allowed you to go overdrawn,then you might have a good case against them.No idea how you would prove it though.


  5. #5
    HUSBANDKHAN
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    Default Re: Debit /Credit card authorisation codes

    If You Have 2 Available You Can Fill Up Upto 60 Worth Of Fuel From A Tesco Self Service Pump. Over A Week End You Can Do This 3 Times As The First Debit Will Come Through 3 Days After You Bought The Fuel. This Does Not Work At A Counter Though !!!!


  6. #6
    Banned Karnevil

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    Default Re: Debit /Credit card authorisation codes

    why you would want to spend 120 on fuel at tescos when you only have 6 in your account is quite bizarre.

    I assume you are pointing out that the debit card facility is flawed in that it would allow you to do this thus aiding the banks to add charges to your account for the overspend ?


  7. #7
    HUSBANDKHAN
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    Default Re: Debit /Credit card authorisation codes

    no what i am saying is how can 60 be authorised when you only have 2 in your account ? it seems either the bank or either the retailers are using a manual trick which the general public do not know about.


  8. #8
    HUSBANDKHAN
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    Default Re: Debit /Credit card authorisation codes

    similar thing with enterprise hire i booked a people carrier for 2 days. they took the deposit and also refunded the deposit in the same transaction despite no money being available in my account. i did this on a saturday and on the wednesday they credited the 150 deposit and then debited the rent from it which was 169.99. how can this have happened ? normally if you use a debit card the debit is held by your bank and then debited ot taken of the account when the processing bank asks for the money. i belive that there was a manual intervention by either enterprise or Lloydsicon and again something has happened to which the general public have no knowledge of



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