bank transaction

by Richeh • 19 Feb 2008, 22:45 • Journals
Went out for a meal on sat, came to pay for it at the end, £35.

using mistro and a pin machine they made a mistake and only charged me £0.35 So that amount was credited out of my account.

Then a few hours later a further £34.65 was credited from my account. I'd not gave them any permision ( i.e re entered my pin number ) so how is this possible? If so any shop could just take as much as they want from you after the transaction?

also ive have the receipt for £0.35
Comments
16
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Lazio 19 Feb 2008, 22:47
dont rl, everything solved.
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sol 19 Feb 2008, 22:47
Phone your bank maybe? I highly doubt 15 year old Dutch teenagers can help you.
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Richeh 19 Feb 2008, 22:49
yea going to see them 1st thing tomorrow,

Just didnt relise they could take more money from an already processed transaction
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rahula 19 Feb 2008, 22:48
phone your bank idd
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Deactivated7001 19 Feb 2008, 22:52
Mmh...crazy.

Edit: I've asked a friend, who is working in a bank. He said it's easily explainable, at least it's how it works in Germany. They got your bank information with your card. The pin is just the gate to supply your on the card saved bank informations. They can read it out and now they start a debit note. So they can start as many debit notes as they want. You can protest against every debit note for 6 weeks. So if they would like to get 600 € of you, then they could do it. Entering a pin doesn't mean to give your permission, it's earlier a security thing for the restaurant to be sure that you are the real owner of the bank account, otherwise you could waste thousand euros with a stolen card and the real owner is getting back his money with a protest, so the owner of the restaurant wouldn't get any money.

I hope you get what I mean. Poor English, but I am too lazy to rewrite it.
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kevlar 19 Feb 2008, 22:54
honesty's the best policy. you should have owned up at the time and pointed out their mistake! are you pissed cos they did the second transaction, or because you never got away with a cheap meal you tight fukka :P
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Richeh 19 Feb 2008, 22:59
haha,

Just pissed they took money off me which i had not validated, which i'm sure is illegal,

+ the meal wasnt really that good
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kevlar 19 Feb 2008, 23:02
tbh, i know theres a vendor pin number which they have to enter at the end of the day into the machine to send reports to the bank about transactions over the day, i dont know if its possible for an unscrupulous owner to use this in this way, but i know maestro cards are ropey at the best of times. tbh, it will be illegal to do what they did, as they removed your money from your account without your knowledge.
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cuttyP 19 Feb 2008, 23:30
they are allowed to take as much from your account as is stated on the bill, no matter if they do 1 or 100 transactions
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Sheep 20 Feb 2008, 00:29
if the bill said 35p then they cannot legally take more than 35p from you i believe o_O
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unblind 20 Feb 2008, 01:29
if they credited you 35 total they have GIVEN you money... xD


if you mean that they got the price wrong and then debited you the rest, well they shouldn't have done that but if you do get your money back your bank branch will probably end up paying them - so you may have a shitty time doing so
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Slasheh 20 Feb 2008, 09:35
nice whine Rich
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