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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Buying by debit card - problem?


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Hi, I would like some help with this as I'm a little confused.

 

On Monday I bought an LCD TV from Goodmans Direct, they were having a one day only reduction on this TV, a saving of £100 so I bought it and scheduled delivery for tomorrow. I paid by Natwest Solo debit card.

 

The money appeared to be debited from my account immediately I checked via online banking shortly after I paid. However when I checked my online statement today the transaction had vanished, no trace of it whatsoever and my account had an extra £199.99 in it (the exact cost of the TV)

 

I tried to track my order via the couriers who Goodmans said they were sending it with using the details Goodmans provided - I spoke to the couriers (Amtrack) and they could find no trace of it so I phoned Goodmans and after 15minutes on hold I got through to a foreign lady on a bad line who had no idea what I was talking about which was frustrating. All she could tell me was that my I had requested my order to come tomorrow and nothing else really. She had no idea and we could barely understand each other.

 

So I phoned Natwest and got through to a customer services agent, he could find no record of the transaction either but after looking into it he said it sounded like this has happened:

 

I make payment via Solo.

The retailer contacts the bank to ensure their is sufficent funds to make the transaction.

The bank confirm there is sufficient funds an authorise payment whilst placing a hold on the specific amount in my account.

The retailer then has a set period to claim authorised held funds from my account.

In my case it looks like the retailer failed to take the funds so the held money was recredited to my account.

 

 

So following on from that and given it looks like I'm not receiving any delivery tomorrow or in the near future (according to Amtrack) I'm worried about the money in my account - the bank customer services guy said he was unsure whether they could still take the money out of my account given they had failed to do it within the deadline, I asked if I could transfer it to another account of mine to keep it safe but he said with the transaction already being authorised if they did take it I would go overdrawn - he couldn't give me a direct answer and could only pass it on to their customer relations team who will take 48hrs to get back to me which by then I could be left with no money and no TV!

 

So my question is - if the retailer has failed to take the money in time do they have any right to take it in the future? Is my money safe?

 

Has this happened to anybody else? I'd move the money right away but I really can't afford to go overdrawn, not with the sort of money Natwest charges:(

 

 

 

Can anybody help?

 

Thanks guys!

Heidi

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Hi,

 

This is really strange as exactly the same thing happened to me last week.

I paid for a private beauty course on my nat west solo card on the 2nd Jan over the phone they said the payment had gone through and confirmed my date.

I checked online banking and it showed the money had gone with the company name appearing on the statement, 3 days later I looked on my online banking for something else and my balance was higher than I expected after searching I realised the solo payment had vanished.

I complained to Nat west who said it must be the fault of the company claiming the money however now that does not seem to be, I wonder whats going on!!:confused:

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Hi,

 

This is really strange as exactly the same thing happened to me last week.

I paid for a private beauty course on my nat west solo card on the 2nd Jan over the phone they said the payment had gone through and confirmed my date.

I checked online banking and it showed the money had gone with the company name appearing on the statement, 3 days later I looked on my online banking for something else and my balance was higher than I expected after searching I realised the solo payment had vanished.

I complained to Nat west who said it must be the fault of the company claiming the money however now that does not seem to be, I wonder whats going on!!:confused:

 

 

Yeah - that is exactly what has happened to me!

I'm now in limbo! Say if the TV does turn up what do I do? Try and pay Goodmans again but then I have this threat of an authorised payment hanging over my account so I have no idea!

 

 

I'm sorry to hear I'm not the only one this has happened to (although glad to see it isn't just an unheard of problem!)

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Come to think of it this may have happened to me before, sometimes I've noticed that there was ten or twenty pound more in my account than there should of been but upon inspecting my statement it balanced up which it would do if all record of the transaction had gone but I was sure I had less money than that but I put it down to being forgetful and the fact my account is quite busy - now I think it could be down to this.....:-?

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I am just going to wait and see I havent rang the college I am just going to see if they try to reclaim the payment and if not I`ll just pay on the day when I get there.

 

 

 

The problem is what if you pay on the day but then after that they also reclaim the payment on your account (due to the confusion, not on purpose)?

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The problem is what if you pay on the day but then after that they also reclaim the payment on your account (due to the confusion, not on purpose)?

Hmm I didnt think of that, I`m not really sure what to do now :confused:

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Debit card payments do sometimes take a while to appear. A dealer might not claim the money until just after they despatch the goods - they know they will get paid because it is reserved.

 

There might be a difference between the account balance & available to spend on a summary screen in direct banking that is the amount reserved but not claimed.

 

Grumpy

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Well the TV I ordered was delivered today and the bank also rang me.

The bank (Natwest) told me that it appears Goodmans have lost the transaction details which is why they never claimed the money despite authorisation being given, this is why the bank re-credited the money back to my account. I asked the bank if they could do anything and the lady from customer care basically said there was nothing they could do or indeed would do as it was Goodmans mistake and it is up to them to liaise with me and rectify the problem.

 

So I phoned Goodmans and got through to the Indian call centre again - I tried to explain to the customer services agent but she kept on saying there was no problem, payment had been made, accepted and the goods dispatched. She told me it must be a problem with my bank.

 

Neither the bank nor the retailer wants to know despite my best efforts.

I guess I'll just keep the money available in my account for a month ready for them if they wrte or something other than that I don't know....

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Neither the bank nor the retailer wants to know despite my best efforts.

I guess I'll just keep the money available in my account for a month ready for them if they wrte or something other than that I don't know....

 

Very sadly, this has never happened to me:cry:

 

However it did happen to my uncle and he paid for a holiday for two families in a posh hotel!:D

 

Seriously though, I believe that morally you should keep the money in your account for quite a bit more than a month, just in case; you could treat it like a sort of uber overdraft.

From a legal point of view, AFAIK no claimant = no case, no-one but you has been stressing about it, and if you keep the money one side anyway:smile:

no worries.

 

 

What a lovely story, that's really cheered me up.

 

Chris.

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Glad u got the TV was beginning to think it was a [problem] buy, leave the money in ur account, that way it is there when there request it again from the bank, dont be tempted to spend it, as you will indeed go over drawn when it comes to making the payment... sounds like you got a bargain with the price of the TV.... so dont let that bargain become a nightmare....

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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I'd keep the money in your account available for them should they rectify their systems. Once your bank have issued authorisation for the transaction, a merchant has up to six years to claim the funds. Although it's rare that they take more than a week, it has been known to happen before.

 

Best to be prepared and safe, than sorry :)

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