Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Yesterday I tried to pay for my shopping at an automated checkout at Sainsburys with my bank card. However the payment was declined as I guess I didn't have enough in the account so I paid in cash instead. I went to my bank this morning only to find that the account had been debited the amount for the shopping!
So in effect I have paid twice even though the machine told me the card was declined. Anyone know what is going on here?! Will I be refunded the amount on the card in due time or should I call then bank or Sainsburys?
You should find it automatically refunded in the next couple of days, There is a very similar thread on here where same thing happened in Asda. It seems that there are occasionally problems with the servers in that your bank actually did authorise the transaction and sent the Auth code, but it didn't make it back to the terminal you were at, therefore as no code is recieved the terminal declines it! In the thread I mentioned before it came to light that the system breifly went down at the precise moment that the Auth code was requested. Sainsburys will know that they have recieved 2 payments for the same transaction and with usually just bounce the card debit back to your bank.
Hope this helps