Disapearing transactions - Clydesdale Bank

[Garry66]

Hello all

 

I have been having a nightmare with the Clydesdale Bank for years over charges. I am a freelance writer and when i knew money was going to be late going in and charges would be occuring i took their letter of "please contact us and we will try and help" at face value. When i went to the bank no one could see me for three weeks and someone said they would call the next day-of course no one did. Eventually my bank charges hit the £200 mark and after sending a letter they said because of their bad service they would give me £50 back. I refused this and asked for a full refund and am still waiting 8 weeks later, a letter arrived a few days ago saying it would be another 4 weeks, due to their heavy workload, before they can get back to me, amking a total of three months. Now i am going for my last six years worth of charges.

Now comes the strange incident of the disappearing transactions..for the last two payments placed into my bank they have both disappeared for a few days before reappearing. I can tell when they go into the bank account by checking on my online account and telebanking- but then for some reason the transactions completely disappear as if they were never there. I went to the Clydesdale to complain and they basically said as there were no records of the transactions appearing there was nothing i could do. They waffled on about phantom transactions where the computer looks and sees if there is any money there..they basically did not have a clue what was happening..the next day the money then reapeared in my account backdated to the day it actually went in. This has now happend 3 times..both with money going in and money going out. Has this happened to anyone else..is this normal..the bank of course have never got back to me to say what the problems is.

[Bigmac versus]

Nope never heard of it but if you have transaction slips showing it in then out then in again i would imagine they would need to explain why.

 

Start a thread in here

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/

 

Spend what time you have reading up, start in here.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[Bigmac versus]

Start a thread in the CLYDESDALE forum and please read up as much as you can on the precedures required, look in other threads in relation to CB and any questions ask away.

Start looking in the FAQ's.

[Guest NATTIE]

a phantom transaction or ghost transaction can happen when you are paying for goods with a card and the retailer do a ghost transaction to make sure the funds are there. They do not then go onto to a full authorisation for a few days which means the transaction disappears only to suddenly reappear a few days later. It is a complicated explanation and i can appreciate that it is incredibly annoying to say the least.

[Garry66]

Hi Natalie

 

Thanks for that. I can appreciate this happening if it is going out say by a maestro debit but would this also occur with wages going in..the bank tried blaming it on paypal the first time but i have received money from paypal for almost two years and it has never happened before..it just seemed slightly strange that this has started occuring now...but maybe just paranoia..i dont understand why wages would go in and i could take money out and then the whole transaction disappears as if it never existed..

[Guest NATTIE]

The name is nattie(male not female). I thought natwestaffmember was a handful!! I lose my gonads with this one;)

 

I have seen that happen before at work so i will have a think on that one. I do remember that morning entries on account USED to be called provisional entries because they could be recalled but I am fairly certain that a recall would have that entry on it as well as the original.

[Conniff]

Double post removed. Please Keep to the one thread.

 

 

This thread is now closed.