Fun buying a car - NOT

Discussion in 'General Chat' started by Trollslayer, Jun 13, 2015.

  1. Trollslayer

    Trollslayer
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    OK, the new (to me) car is ready to pay the main money on Friday morning and pick up after saying goodbye to the old car at a nearby car breaker.
    One problem.
    I have money in the bank but the payment processing firm have glitch and the transaction fails part way through so the money in my account is now reserved for the transaction so can't be used until the cancellation comes through, hopefully by Tuesday.
    I then ring the bank and ask about another option which is for the seller to request a cancellation of the transaction and am told faxing the instruction through will get it done quickly. Quickly apparently means something else in banking terms so I am hiring a small car on Tuesday to make sure I can get to work where a number of employers who are recruiting will be in.
    My fluffiness level isn't too good on this one.
    At least I should be driving around again mid/late week.
     
  2. Barbs77

    Barbs77
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    good luck hope its a good day.
     
  3. Trollslayer

    Trollslayer
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    Thanks, a nice car at a good price and the sellers have done what they can, got onto the payment processors for a cancellation from that end as well.
     
  4. =adrian=

    =adrian=
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    I wonder if this is some sort of banking problem.

    I never had a problem with a transaction before, but last couple of weeks, I've had a problem with my Council Tax payment (done online). Same as you money taken from the account, reserved, but did not reach the reciepient and then last week same with my mobile phone payment.

    Is your card Visa?

    PS bad news is that I had to wait around a week's time for the CT money to come back to my account.
     
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  5. Trollslayer

    Trollslayer
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    There was a problem at the payment processor, they sent the request to have the money allocated but didn't send the authorisation information.
    This means the money is still in my account but reserved so we can't do this again until the first requested in cancelled.
    This was MasterCard and the processor is Globe Payments.
    I can survive a week, hopefully cancelling by two routes will shorten this.
    Thanks.
     
  6. Trollslayer

    Trollslayer
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    I think that once things are sorted I will get Lloyds to do a telegraph transfer, there is no charge for that.
     
  7. RuddyRoad

    RuddyRoad
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    When I bought my last car I just popped my card into the machine, entered my PIN and it went through. Very bizarre when you consider the amount I spent. Not even a phone call to check it was legitimate.
     
  8. Trollslayer

    Trollslayer
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    About eight years ago when I bought the previous car I called the bank the day before to confirm I could pay so much in one go.
     
  9. KelvinS1965

    KelvinS1965
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    About 3 years ago I bought a 'weekend' car and rang my bank to tell them I was going to withdraw a large amount. I hadn't bought a car for years as I have a company car, so I thought I should do this to ensure it all went through OK. They told me to ring within 30 minutes of the transaction, so I waited until I got to the dealer and then rang, only to be told that the amount 'wasn't high enough to warrant the call'. o_O

    Transaction went through without any hassle, just entered my pin on the dealer's card machine, direct from my current account. Odd that in the past I'd had a phone call after I tried to buy a TV (under £1,000) as it 'wasn't my usual spending pattern'. Considering I hadn't bought a car for some 10 years I'd have thought that wasn't my typical spending pattern either.

    Sometimes banks bemuse me with their inconsistent attitude to security.
     
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  10. Barbs77

    Barbs77
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    I did that when I bought mine they said we wouldn't question one big payments unless it didn't look right. I asked what would type would look wrong the reply - well a payment to Poundshop for £500 or a couple of very small payments then one large one to the same company.
     
  11. SteveCritten

    SteveCritten
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    Or if you lived in London and the payment was in Scotland?
     
  12. markgodley

    markgodley
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    Which payment processor was this?

    I work for a payment processor where this can occur. Basically the transaction is authorised by you bank with a pending authorisation code, however have failed the merchants security settings (these can be processed as a additional step as part of the payment process). The payment processor will of likely sent information/informing them they won't be collecting on this authorisation code to your bank to cancel the pending authorisation code though their system (this is also what faxing of the information does).

    In my experience it's down to your bank to remove this and return the funds back to you. Normally this takes 3-5 working days for UK banks.
     
  13. Trollslayer

    Trollslayer
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    Globe Payment.
    Yes, the cancellation has been sent at that end as well but it takes a bit to go through that route so the seller is requesting a cancellation with Lloyds as well.
    Thanks for the info.
     
  14. Trollslayer

    Trollslayer
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    YAY!!! Got the car today!
    Getting used to it, only complaint so far is that the glove box is almost too small to put the car's handbook in.
    Now I have to work out how to set up all the fancy stuff for mileage etc.
     
  15. IronGiant

    IronGiant
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    Pictures?
     
  16. Trollslayer

    Trollslayer
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    Of the handbook?
     
  17. GaryBritton

    GaryBritton
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    No, the glove compartment.
     
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  18. KelvinS1965

    KelvinS1965
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    Pictures of the handbook from inside the glove compartment with the door shut (to check that the light goes off).

    ...or just a picture of the car maybe?
     
  19. Trollslayer

    Trollslayer
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    It turns out about two thirds of the glove box space is taken up by the fuse box!
     
  20. FZR400RRSP

    FZR400RRSP
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    Haven't had many/any issues with banks, but my credit card blew my mind.
    They phoned me one week to check if I was buying a £150 stereo in Leeds.
    Nope, fraud, thanks for checking, I'm impressed.:)
    I was less than impressed 2-3 weeks later when they didn't call me about £4000 of flights being booked late at night....:(
     
  21. IronGiant

    IronGiant
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    There does seem to be no rhyme or reason to it. I had my debit card declined in the Tesco Express in Brokenhurst for an amount of about £6 while on holiday. I never figured out why, I was panicking that perhaps I'd gone overdrawn, which I hadn't.
     
  22. RuddyRoad

    RuddyRoad
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    Presumably you can still get your gloves in?
     
  23. Trollslayer

    Trollslayer
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    I'll buy some and see.
     
  24. DrPhil

    DrPhil
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    I'll be dropping about £13k via debit card shortly on a car. I'll be calling the bank ahead of time though!

    I live in Ireland, that size of payment going through in England would ring some alarm bells I would imagine (hope).
     
  25. SteveCritten

    SteveCritten
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    £12.5k here at the end of the month and I will do the same just to be sure.
     
  26. John

    John
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    If you shout loud enough at your bank, they will release the funds back to you straight away. I have had it happen twice when online transactions have hung and not completed
     
  27. Trollslayer

    Trollslayer
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    Had the car a few days, used to it now and happy.
    Also just taken some smoked back bacon from the local butcher around as a gift - it was him that told me about the butcher and he was very happy with the gift.
     

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