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Morning peeps!
On Tuesday I tried to buy a train ticket using my basic account visa debit card. I had sufficient funds "available balance" on the account to pay for the ticket. Payment was declined.
I made a second and a third attempt. All were declined. I have three receipts showing "authoriser declined".
I spent the rest of the day trying to get this sorted out through the general number 08457 302010 but was sent round and round in circles by people who didn't understand how their own system works... They kept telling me that I didn't have enough in the "available balance". I kept telling them that I had had enough in the "available balance" to cover the cost of the ticket.
I tried to ring Complaints and Head Office but could not. Both are, purportedly, on the same number but you do not get the option to press x button on the handset to be put through to either of them...
Eventually I managed to get hold of their Visa Complaints Dept who have now told me - and this is exactly what they said "the authorisation did go through at Nationwide. We have rung HSBC to find out why they declined to accept payment (the retailer's bank). The retailer hadn't put the transaction through properly. The retailer should have telephoned HSBC to find out why it was declined".
Personally I have never heard such a load of tosh. This is a chip and pin card in a chip and pin machine. The retailer inputs your ticket requirements, the system calculates the cost, you put your card into the machine, PIN etc.
The funds are still showing as blocked on my account.
I am getting nowhere with Nationwide who are extremely vague and say "it'll either come out of the account in 2 - 3 days or the retailer will stop the request for payment". Apparently if the payment does go through I then have to start a claim for a refund which will probably run on for ages.
Any ideas for getting this sorted sooner rather than later?
On Tuesday I tried to buy a train ticket using my basic account visa debit card. I had sufficient funds "available balance" on the account to pay for the ticket. Payment was declined.
I made a second and a third attempt. All were declined. I have three receipts showing "authoriser declined".
I spent the rest of the day trying to get this sorted out through the general number 08457 302010 but was sent round and round in circles by people who didn't understand how their own system works... They kept telling me that I didn't have enough in the "available balance". I kept telling them that I had had enough in the "available balance" to cover the cost of the ticket.
I tried to ring Complaints and Head Office but could not. Both are, purportedly, on the same number but you do not get the option to press x button on the handset to be put through to either of them...
Eventually I managed to get hold of their Visa Complaints Dept who have now told me - and this is exactly what they said "the authorisation did go through at Nationwide. We have rung HSBC to find out why they declined to accept payment (the retailer's bank). The retailer hadn't put the transaction through properly. The retailer should have telephoned HSBC to find out why it was declined".
Personally I have never heard such a load of tosh. This is a chip and pin card in a chip and pin machine. The retailer inputs your ticket requirements, the system calculates the cost, you put your card into the machine, PIN etc.
The funds are still showing as blocked on my account.
I am getting nowhere with Nationwide who are extremely vague and say "it'll either come out of the account in 2 - 3 days or the retailer will stop the request for payment". Apparently if the payment does go through I then have to start a claim for a refund which will probably run on for ages.
Any ideas for getting this sorted sooner rather than later?
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