Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


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
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    Cagger since : Apr 2018


    Default Visa debit card "declined" but money taken from account!??

    Good morning HOPE THIS IS THE CORRECT FORUM, i have an issue and need some advice hopefully there some bank account/visa debit card experts here?

    On friday 13th i went as usual to buy my weekly bus ticket on the First Bus M-tickets app ( i have never had this problem before) but when i clicked checkout i selected my card and instantly the screen came back with "transaction declined", i thought this is strange because i had the money in account ready.

    I left it half an hour confused to try again but before i did i went to check my banking app to check my balance and low and behold the 20 for the bus ticket had been deducted form my balance. I went to check if my bus ticket had turned up in the app but it hadnt and the history said "transaction declined".
    I phoned the bus company and was told they have no record of receiving my money and refused to issue my ticket on the grounds it says on their screens "transaction declined"

    Ok sorry for that i just wanted to make the story clear for guidance.
    I have checked today (still no bus ticket or money back in my account).

    I am worried my money has disappeared into thin air, i have debt managementicon plans to pay and i am on benefits so 20 going "missing" is quite a big deal at the moment....

    What do i do will the money be returned to me?
    Is their financial laws that state money must be returned in ??days.
    Thank you i hope someone can advise this has really stressed me out


  2. #2

    Default Re: Visa debit card "declined" but money taken from account!??

    the bank has allocated it and expects the bus co to claim it at some point. the bank wont credit your account for several days so you need to moan at them about this. they will say it isnt their fault but beware, your balance may have had another payment hanging in thin air like this so the money may not be available anyway

  3. #3

    Default Re: Visa debit card "declined" but money taken from account!??

    it can take 3-5 days for the pending charge to be removed. The bank staff will say it cant be removed before it. Mainly because they dont have the ability to do it at branch level.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

  4. #4

    Default Re: Visa debit card "declined" but money taken from account!??

    whats this dmpicon you are in
    hope it not with a fee taking fleecer and you sent everyone you are paying through it a CCA Requesticon?
    esp if you are paying powerless DCAicon's through it?


    it makes a thread twice as long to scroll data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    RIP Martin3030


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