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Serious post. Want advice/opinion.

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By (user no longer on site) OP   
over a year ago

This is to all employers/bosses in particular, but anyone can chip in with their point of view.

Basically if a customer has an incident and by lying. They think things can be sorted out instantly, but you know they can't. But you are aware most customers think that is the case. Anyway if a customer complains to you (the employer) about a mistake that has been made. If the colleague says they didn't do what the customer said even though the incident did happen and they had nothing to do with it. Who would you believe the customer or the employee?

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By (user no longer on site)
over a year ago


"This is to all employers/bosses in particular, but anyone can chip in with their point of view.

Basically if a customer has an incident and by lying. They think things can be sorted out instantly, but you know they can't. But you are aware most customers think that is the case. Anyway if a customer complains to you (the employer) about a mistake that has been made. If the colleague says they didn't do what the customer said even though the incident did happen and they had nothing to do with it. Who would you believe the customer or the employee?"

...pardon?

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By *kywatcherMan
over a year ago

Southwick

This doesn't make sense...

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By (user no longer on site)
over a year ago

Confused. Com ?

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I am not sure of the question...but I am guessing here that if an incident happened between a customer and an employee then the Employer would have to investigate and not just believe one over the other.

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By *iss_tressWoman
over a year ago

London


"This is to all employers/bosses in particular, but anyone can chip in with their point of view.

Basically if a customer has an incident and by lying. They think things can be sorted out instantly, but you know they can't. But you are aware most customers think that is the case. Anyway if a customer complains to you (the employer) about a mistake that has been made. If the colleague says they didn't do what the customer said even though the incident did happen and they had nothing to do with it. Who would you believe the customer or the employee?

...pardon?"

Agreed, don't understand what you're asking, sorry.

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By *irtycpl7980Couple
over a year ago

Northumberland

Happy to give you advice as an employer but you need to be a bit more specific (without obviously giving away any personal detail) in order for anyone to help you out.

What was done and or said?

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By (user no longer on site)
over a year ago

Its good to talk. But how is this even relevant?

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By (user no longer on site)
over a year ago

I think they are saying a customer has made a complaint about someone to the employer, and the OP was not the person that was involved in the incident but has been named, - well I hope thats wot the OP meant

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"This is to all employers/bosses in particular, but anyone can chip in with their point of view.

Basically if a customer has an incident and by lying. They think things can be sorted out instantly, but you know they can't. But you are aware most customers think that is the case. Anyway if a customer complains to you (the employer) about a mistake that has been made. If the colleague says they didn't do what the customer said even though the incident did happen and they had nothing to do with it. Who would you believe the customer or the employee?"

something has happened and a customer has complained but has blamed a person who didn't do it?

If that is the case and a formal complaint has been submitted then the complaints procedure should ensure that the truth will come out.

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By (user no longer on site)
over a year ago

the answer to your question is....

gfhdfhdfhg vfghjf bfgdf jgfghfmnv kjhk, jhk gdfggfnbvn hnfhdsgsm

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By (user no longer on site)
over a year ago

The employer/boss would have to investigate and find evidence to form an accurate judgement. In the interim I would imagine thwy would let the customer/employee know they are investigating and perhaps ask questions for further information.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

[Removed by poster at 30/06/13 18:33:36]

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

There is a Boss, a Worker and a Customer.

The customer is dissatisfied with something and tells the boss.

The Worker believes the customer has lied and said that the Worker is involved.

The Worker believes themselves innocent.

The Worker believes the customer is lying as the customer thinks it will just be resolved quickly.

The Worker is claiming that experience tells him/her that it won't be resolved quickly by the customers lie.

The O.P wants to know this .......

If you were The Boss , who would YOU believe ?

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

I'd believe what ever the evidence tells me.

If the worker has a history of stuff like this i'd do my utmost to get rid.

If the worker has a great history i'd support them and satisfy the customer at the same time.

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By (user no longer on site)
over a year ago

Unfortunately the circumstances of the incident are likely to be overshadowed by the consequences of upsetting the customer ... if its a one off 'sale' then no great loss but if its a valuable customer then things may be viewed differently.

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By * Jay69Man
over a year ago

Bridgwater - Somerset


"Unfortunately the circumstances of the incident are likely to be overshadowed by the consequences of upsetting the customer ... if its a one off 'sale' then no great loss but if its a valuable customer then things may be viewed differently.

"

Sadly, this.

If you are a valued employee of long standing you may be OK.

Good Luck

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By *ensualtouch15Man
over a year ago

ashby de la zouch

The only fact I think we have is an incident did happen with a customer .the rest is too ambiguous

There is a possibility he is suggesting the customer has embellished the facts to speed things up or to gain more compensation .

Could the op untangle the facts and avoid speculation or opinion to begin with

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By (user no longer on site) OP   
over a year ago

Sorry for the confusion. I just wanted to say say this without going into detail, but it feels like I have to so you know what I mean.

Firstly I think I have to say what a "holding bank" is. In a shops case its when money has been taken out of the customers account to pay for the goods. Yet even though it shows on their statement that they have paid. They haven't as its put back in their account automatically within a few days, which in the meantime could leave them short of funds as they still have to pay for their shopping as the till knows money hasnt gone through it. It's caused in shops by removing the bank card too soon when its loading/paying for the items.

Well that happened twice within an hour in work today. Customer complains and said I removed their cards. I never remove their cards. One incase of that and fear of bad hygiene as I see some customers put it in their mouth. Anyway the manager asked the customers what happened and they said I removed the card. When what really happened they think the words "pin ok" on a screen means its gone through and remove card. Then I had stick in work because of it. Despite me saying I didn't do what the customers claimed. Basically claiming I am a liar and even though the matter is closed and nothing has been written down. I have to watch my step otherwise further action maybe taken. I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days.

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By *atcockleedsMan
over a year ago

leeds

Why would you need to watch your step ? If nothing was written down ? Wasn't there any CCTV ?

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By *atcockleedsMan
over a year ago

leeds

You haven't gone through disciplinary procedures so your in the clear. And if you haven't done anything wrong then the manager shouldn't need to watch you

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By (user no longer on site) OP   
over a year ago


"Why would you need to watch your step ? If nothing was written down ? Wasn't there any CCTV ? "

Because it was such a big deal, but I have done a lot of favours for them. They dropped it, but give me a stiff warning. There is, but its hard to see the that part of the till in the store. Strange I know.

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By (user no longer on site) OP   
over a year ago


"You haven't gone through disciplinary procedures so your in the clear. And if you haven't done anything wrong then the manager shouldn't need to watch you "

I know that, but if I do anything slight now. That doesn't normally require a warning. I will be facing that.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross


"Sorry for the confusion. I just wanted to say say this without going into detail, but it feels like I have to so you know what I mean.

Firstly I think I have to say what a "holding bank" is. In a shops case its when money has been taken out of the customers account to pay for the goods. Yet even though it shows on their statement that they have paid. They haven't as its put back in their account automatically within a few days, which in the meantime could leave them short of funds as they still have to pay for their shopping as the till knows money hasnt gone through it. It's caused in shops by removing the bank card too soon when its loading/paying for the items.

Well that happened twice within an hour in work today. Customer complains and said I removed their cards. I never remove their cards. One incase of that and fear of bad hygiene as I see some customers put it in their mouth. Anyway the manager asked the customers what happened and they said I removed the card. When what really happened they think the words "pin ok" on a screen means its gone through and remove card. Then I had stick in work because of it. Despite me saying I didn't do what the customers claimed. Basically claiming I am a liar and even though the matter is closed and nothing has been written down. I have to watch my step otherwise further action maybe taken. I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days.

"

None of the above makes sense.

Im not talking about how its written.

Im talking about what's being said.

If I pay with my card and it's removed before i've paid then I get a free item.

If I pay with my card and it shows on my statement i've PAID.

It can't go BACK in my account if ive paid.

If I hold a receipt that says ive paid ive paid....

Sommat fishy in the State of Denmark.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross


"Why would you need to watch your step ? If nothing was written down ? Wasn't there any CCTV ?

Because it was such a big deal, but I have done a lot of favours for them. They dropped it, but give me a stiff warning. There is, but its hard to see the that part of the till in the store. Strange I know. "

Doing favours is your business. It doesn't mean when you fuck up they should let you off.

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By *atcockleedsMan
over a year ago

leeds

I don't think they can do that something doesn't add up I'm with granny crumpet on this.

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By (user no longer on site) OP   
over a year ago


"Why would you need to watch your step ? If nothing was written down ? Wasn't there any CCTV ?

Because it was such a big deal, but I have done a lot of favours for them. They dropped it, but give me a stiff warning. There is, but its hard to see the that part of the till in the store. Strange I know.

Doing favours is your business. It doesn't mean when you fuck up they should let you off. "

That's the point though i didn't. Customer lied.

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By *kywatcherMan
over a year ago

Southwick


"Sorry for the confusion. I just wanted to say say this without going into detail, but it feels like I have to so you know what I mean.

Firstly I think I have to say what a "holding bank" is. In a shops case its when money has been taken out of the customers account to pay for the goods. Yet even though it shows on their statement that they have paid. They haven't as its put back in their account automatically within a few days, which in the meantime could leave them short of funds as they still have to pay for their shopping as the till knows money hasnt gone through it. It's caused in shops by removing the bank card too soon when its loading/paying for the items.

Well that happened twice within an hour in work today. Customer complains and said I removed their cards. I never remove their cards. One incase of that and fear of bad hygiene as I see some customers put it in their mouth. Anyway the manager asked the customers what happened and they said I removed the card. When what really happened they think the words "pin ok" on a screen means its gone through and remove card. Then I had stick in work because of it. Despite me saying I didn't do what the customers claimed. Basically claiming I am a liar and even though the matter is closed and nothing has been written down. I have to watch my step otherwise further action maybe taken. I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days.

"

Surely if a card is removed immediately after a "pin ok" message shows on the pin card reader the transaction would not go through. .so no receipt would be issued?

Is that not the case?

Also don't understand what you mean by

"I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days "

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

I know. It doesn't make sense.

To get money refunded you'd have had to have paid twice.

Nothing adds up here.

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By (user no longer on site) OP   
over a year ago


"I know. It doesn't make sense.

To get money refunded you'd have had to have paid twice.

Nothing adds up here."

Think of it as online banking when paying your credit card. It leaves your current account instantly. Yet it takes a day or two or more on weekends to actually get into your credit card. If you cancel/freeze your credit card in the meantime. The money will just go back to your account as it can't go where its intended. Same thing applies here. It takes money out as it was in the machine for a length of time. Goes on the system. A few days later the system will send the money back as no goods have gone through the till. Sorry if that's even more confusing. I did explain it to minxy minx and she understood it fully. She knows stuff like this. So maybe she can come on here and explain it better.

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By (user no longer on site) OP   
over a year ago


"Sorry for the confusion. I just wanted to say say this without going into detail, but it feels like I have to so you know what I mean.

Firstly I think I have to say what a "holding bank" is. In a shops case its when money has been taken out of the customers account to pay for the goods. Yet even though it shows on their statement that they have paid. They haven't as its put back in their account automatically within a few days, which in the meantime could leave them short of funds as they still have to pay for their shopping as the till knows money hasnt gone through it. It's caused in shops by removing the bank card too soon when its loading/paying for the items.

Well that happened twice within an hour in work today. Customer complains and said I removed their cards. I never remove their cards. One incase of that and fear of bad hygiene as I see some customers put it in their mouth. Anyway the manager asked the customers what happened and they said I removed the card. When what really happened they think the words "pin ok" on a screen means its gone through and remove card. Then I had stick in work because of it. Despite me saying I didn't do what the customers claimed. Basically claiming I am a liar and even though the matter is closed and nothing has been written down. I have to watch my step otherwise further action maybe taken. I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days.

Surely if a card is removed immediately after a "pin ok" message shows on the pin card reader the transaction would not go through. .so no receipt would be issued?

Is that not the case?

Also don't understand what you mean by

"I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days ""

For some reason in my place it doesn't. It goes from pin ok, to please wait and then done. People tend to take it out when it says "please wait" after it says "pin ok" and that's where the problems start.

By that comment. The customer said they didn't remove their card too early. I took it out, which I never did. Maybe if they thought it was a colleagues error they would correct the mistake instantly I meant.

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By *kywatcherMan
over a year ago

Southwick


"Sorry for the confusion. I just wanted to say say this without going into detail, but it feels like I have to so you know what I mean.

Firstly I think I have to say what a "holding bank" is. In a shops case its when money has been taken out of the customers account to pay for the goods. Yet even though it shows on their statement that they have paid. They haven't as its put back in their account automatically within a few days, which in the meantime could leave them short of funds as they still have to pay for their shopping as the till knows money hasnt gone through it. It's caused in shops by removing the bank card too soon when its loading/paying for the items.

Well that happened twice within an hour in work today. Customer complains and said I removed their cards. I never remove their cards. One incase of that and fear of bad hygiene as I see some customers put it in their mouth. Anyway the manager asked the customers what happened and they said I removed the card. When what really happened they think the words "pin ok" on a screen means its gone through and remove card. Then I had stick in work because of it. Despite me saying I didn't do what the customers claimed. Basically claiming I am a liar and even though the matter is closed and nothing has been written down. I have to watch my step otherwise further action maybe taken. I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days.

Surely if a card is removed immediately after a "pin ok" message shows on the pin card reader the transaction would not go through. .so no receipt would be issued?

Is that not the case?

Also don't understand what you mean by

"I think the customer lied as they probably thought by lying my workplace would have refunded the money instantly instead of a few days "

For some reason in my place it doesn't. It goes from pin ok, to please wait and then done. People tend to take it out when it says "please wait" after it says "pin ok" and that's where the problems start.

By that comment. The customer said they didn't remove their card too early. I took it out, which I never did. Maybe if they thought it was a colleagues error they would correct the mistake instantly I meant. "

Call for Minxie! !!!.......sorry Crazed I want to understand what you're getting at but am failing to understand the problem.

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By *kywatcherMan
over a year ago

Southwick

Does the card reader/till issue a receipt?

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By *atcockleedsMan
over a year ago

leeds

Sounds like a scam I read about in a super market a couple of weeks ago tbh but not sure

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross


"I know. It doesn't make sense.

To get money refunded you'd have had to have paid twice.

Nothing adds up here.

Think of it as online banking when paying your credit card. It leaves your current account instantly. Yet it takes a day or two or more on weekends to actually get into your credit card. If you cancel/freeze your credit card in the meantime. The money will just go back to your account as it can't go where its intended. Same thing applies here. It takes money out as it was in the machine for a length of time. Goes on the system. A few days later the system will send the money back as no goods have gone through the till. Sorry if that's even more confusing. I did explain it to minxy minx and she understood it fully. She knows stuff like this. So maybe she can come on here and explain it better. "

See.... it still doesn't add up.

Granny goes to a shop and pays for sommat with a credit card. The money leaves granny's account and goes back into her account cos she took the card out early.

Granny goes home with a THING a receipt for THE THING and the FUCKING MONEY!

Why should she complain ?

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By (user no longer on site) OP   
over a year ago


"I know. It doesn't make sense.

To get money refunded you'd have had to have paid twice.

Nothing adds up here.

Think of it as online banking when paying your credit card. It leaves your current account instantly. Yet it takes a day or two or more on weekends to actually get into your credit card. If you cancel/freeze your credit card in the meantime. The money will just go back to your account as it can't go where its intended. Same thing applies here. It takes money out as it was in the machine for a length of time. Goes on the system. A few days later the system will send the money back as no goods have gone through the till. Sorry if that's even more confusing. I did explain it to minxy minx and she understood it fully. She knows stuff like this. So maybe she can come on here and explain it better.

See.... it still doesn't add up.

Granny goes to a shop and pays for sommat with a credit card. The money leaves granny's account and goes back into her account cos she took the card out early.

Granny goes home with a THING a receipt for THE THING and the FUCKING MONEY!

Why should she complain ? "

Okay. I'll explain this bit more clearly. If you remove your card too soon. Till will say "card not read" and you have to do it again. You won't get a receipt because you haven't paid. So you do it again and leave the card in there until it says removed card and then you get the receipt and go. The money is taken from your account without it saying on the till and is only done when card is removed too early. You only find this out if you don't have enough money to pay for your shopping twice or you end up short of funds for something the next time you go to use your card unless its days later. In which case money has gone back in then and it doesn't look like money has been taken out then. Personally I think its a scam so companies can pinch all the interest from the money its taken from everyone over a few days.

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By *iss_tressWoman
over a year ago

London

*Shakes head in confusion * Nope, still don't get it!

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By *reelove1969Couple
over a year ago

bristol

at all the stores that I shop in the cashier no longer touches your card as the card reader is positioned towards the customer and therefore inaccessible by the cashier

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By (user no longer on site) OP   
over a year ago


"at all the stores that I shop in the cashier no longer touches your card as the card reader is positioned towards the customer and therefore inaccessible by the cashier "

The reason for that is because of what I said. But sadly no one gets what I am trying to say

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By *lackCherryCouple
over a year ago

Bristol

[Removed by poster at 30/06/13 21:37:56]

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By *lackCherryCouple
over a year ago

Bristol

Hes saying the customer claims he/she got charged for the goods twice because the OP took their card out and his boss believed the customer over him and gave him a warning.

Which is not unfair as such as the customer is always correct but maybe your boss should of put a little more trust in you if youve never done anything like this before. x

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By *atcockleedsMan
over a year ago

leeds

He's saying the card Was in the middle of the transaction and was removed to early by whoever so they have to pay twice but if the transaction was stopped how can you pay twice ??

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By (user no longer on site) OP   
over a year ago


"Hes saying the customer claims he/she got charged for the goods twice because the OP took their card out and his boss believed the customer over him and gave him a warning.

Which is not unfair as such as the customer is always correct but maybe your boss should of put a little more trust in you if youve never done anything like this before. x"

Before? I hadn't done it when the customer claims I did either. I never touch people's cards. So you know what a "holding bank" is then?

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By *kywatcherMan
over a year ago

Southwick


"He's saying the card Was in the middle of the transaction and was removed to early by whoever so they have to pay twice but if the transaction was stopped how can you pay twice ?? "

Exactly...it would issue two receipts Shirley!!

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By *atcockleedsMan
over a year ago

leeds

And how would the customer know he or she had paid twice if the complaint was made there and then she must have checked his/her bank

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By *atcockleedsMan
over a year ago

leeds


"He's saying the card Was in the middle of the transaction and was removed to early by whoever so they have to pay twice but if the transaction was stopped how can you pay twice ??

Exactly...it would issue two receipts Shirley!!"
yes that's what I thought

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By *atcockleedsMan
over a year ago

leeds

[Removed by poster at 30/06/13 21:44:49]

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By *atcockleedsMan
over a year ago

leeds

Plus I thought the customer was only right about their service or product they had received not your punishment it's surely your bosses choice on that if you had followed company procedure

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By *lackCherryCouple
over a year ago

Bristol


"

Which is not unfair as such as the customer is always correct but maybe your boss should of put a little more trust in you if youve never done anything like this before. x

Before? I hadn't done it when the customer claims I did either. I never touch people's cards. So you know what a "holding bank" is then?"

I never accused you of doing it, i said your boss should have more trust in you if you said you didnt do it and you have never done anything like this ever. x

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By (user no longer on site) OP   
over a year ago


"And how would the customer know he or she had paid twice if the complaint was made there and then she must have checked his/her bank "

Not really as they could have gone to buy something else and card could have decline due to having no money in he account

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By (user no longer on site) OP   
over a year ago


"He's saying the card Was in the middle of the transaction and was removed to early by whoever so they have to pay twice but if the transaction was stopped how can you pay twice ??

Exactly...it would issue two receipts Shirley!! yes that's what I thought "

You only get a receipt when the card has cleared and till has opened or says its ready for the next customer. Next time you go into a major supermarket ask them of they have heard of a holding bank, when does it happen, etc. maybe they can explain it better

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By *reelove1969Couple
over a year ago

bristol

is it actually physically possible for you to reach the customers card from where you are because I wouldn't have thought it was in most of the stores that I shop in ?

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By *adchickCouple
over a year ago

Cyprus

I understand it. It is almost like the old 'ghost' payments on bank accounts in the early days of internet banking.

When you pay by any form of card, the card reader/holder (call it what you will)', only synchs with the till IF the "remove card" message displays.

If the customer takes their card out too early, the tills will show that the items haven't been paid for and will ask for a different method of payment.

BUT, the card provider ( natwest/barclaycard or whoever) see's the transaction the instant the PIN number is typed in and the ENTER button has been pressed. Therefore, the money is debited from said debit/credit card immediately.

After approximately 24/48 hours, even longer for the weekends/bank holiday, the credit/debut card system updates and removes the debit from the card as effectively the card transaction was not completed and the money goes back into the customers account/back onto their card. This can leave a lapse in funds sometimes.

It is not the fault of the bank/credit card company but that of the customer as it is in the small print of the ownership of said card that all transactions MUST be completed fully to ensure that said transactions are correct. There is nothing a bank can/will do whilst the system is updating to ensure the money is 'put back' early.

The shops are also not liable for any shortfall in the customers account, the onus is purely on the customer of the said card as all customers are told NEVER to hand their card to anyone else, EVER. The customer must put the card into the machine and take it out....if their card is ever cloned, the banks will say that if the customer willingly handed their card to another person, then no fraud has taken place if money goes missing or stolen transactions take place.

Best thing to do, if you know the bank or credit card provider, ring their business line and ask them to send a copy of their 'false transaction' policy to your shop and get the management to read it. And do the same with your credit/debit card reader provider.

If any sales person took my card from my hand or out of the machine, i would call the management immediately as their are so many hi tech ways a card can be cloned, ie, mobile phone apps on a mobile within 10 foot of a credit card, that it is normal store policy now for sales people to refuse to touch a customers card.

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By *opping_candyWoman
over a year ago

West Yorkshire

I think I understand. Say I have £30 in my bank account. I go into shop A and buy a book for £10 but I remove the card too soon, no problem they say put card in again and we'll do it again. I put my pin in again and leave the card in long enough and the £10 goes through the till. However that first £10 is still held in cyberspace /holding.

I go to shop B and thinking I have £20 in my bank account I choose a lovely new bra and go to the till. Card declined! I check my online banking which tells me my available balance is £10.

I go home braless and a couple of days later the mystery £10 reappears.

Only bit I don't get is that I have removed my card too soon by accident in the past but the cashiers have been able to cancel the transaction and show me a slip which says it has been cancelled.

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By *reelove1969Couple
over a year ago

bristol

I think the cancelled receipt is for you to keep for your records incase the funds don't make it back to your account .. most holding accounts keep funds or 3 days

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By *opping_candyWoman
over a year ago

West Yorkshire

I'm surprised though as my bank account runs pretty close to empty a lot of the time and if I had a duplicate transaction for example doing my grocery shopping the first unfinished one would probably clear it out and I'd not be able to pay for it! That hasn't happened - yet. Maybe just been lucky. A card reader at a local small supermarket has a bad habit of not holding the card in properly, it occasionally falls out! I will be on at them to replace it.

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By (user no longer on site) OP   
over a year ago


"I'm surprised though as my bank account runs pretty close to empty a lot of the time and if I had a duplicate transaction for example doing my grocery shopping the first unfinished one would probably clear it out and I'd not be able to pay for it! That hasn't happened - yet. Maybe just been lucky. A card reader at a local small supermarket has a bad habit of not holding the card in properly, it occasionally falls out! I will be on at them to replace it."

Finally someone knows what I am trying to say. Big supermarkets such as tesco and asda are known for this sort of thing. And what you said happened to me and a mate of mine and we had to go without. My mate had to go without her shopping and was £160 down for a few days and mine was £50. Only for a few days, but sometimes we don't have a back up and need te money now

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By (user no longer on site) OP   
over a year ago


"I think the cancelled receipt is for you to keep for your records incase the funds don't make it back to your account .. most holding accounts keep funds or 3 days "

Its 3-5 working days and some tills don't give out the cancel receipt unless it got declined for some reason. Not for removing the card early. Anyone know why companies do this and how to get it banned?

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By *adchickCouple
over a year ago

Cyprus


"I think I understand. Say I have £30 in my bank account. I go into shop A and buy a book for £10 but I remove the card too soon, no problem they say put card in again and we'll do it again. I put my pin in again and leave the card in long enough and the £10 goes through the till. However that first £10 is still held in cyberspace /holding.

I go to shop B and thinking I have £20 in my bank account I choose a lovely new bra and go to the till. Card declined! I check my online banking which tells me my available balance is £10.

I go home braless and a couple of days later the mystery £10 reappears.

Only bit I don't get is that I have removed my card too soon by accident in the past but the cashiers have been able to cancel the transaction and show me a slip which says it has been cancelled."

Exactly.

Some card readers give a declined/voided receipt at that stage, some don't (i don't think barclaycard readers do) so you can't always tell.

But if in doubt, presume the money has gone out....until you can check your online banking or ring the call centre

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By *opping_candyWoman
over a year ago

West Yorkshire

I heard something about asda online grocery shopping that might not be true anymore but it put me off using them at the time. Something about them putting a 'hold' on the cash required to pay for the shopping on the day you place the order, then on delivery day they take the cash out of your account but the 'hold' money is still tied up for a couple of days.

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By *irtycpl7980Couple
over a year ago

Northumberland

The problem is created due to the owner of the card readers (which is NOT the retailer). Once you have put your pin number in the card reader (usually a company called streamline) they request the funds. AS the OP states it goes into a holding bank, this is to ensure that both consumer and retailer are protected from fraud.

Usually it releases the funds within 24 hours though not the stated few days.

This is also why a retailer pays a charge for using debit or credits cards, usually 1-2.5% of the total transaction which is displayed on your receipt.

If a customer does remove their card to early it can cause issues, however I would say to the OP the best way to avoid this in future would be to turn the reader towards yourself or watch carefully after the customer has put their pin number in.

In terms of your employment their is nothing to worry about unless you continued to have the same issues. If it was a generic problem everyone would have the same problem so if its only happening to you then you are doing something wrong or maybe just not saying the right thing.

Hope this helps but I think it sounds like your taking a bollocking to much to heart, learn from any potential mistakes and don't worry about it.

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By *reelove1969Couple
over a year ago

bristol


"

Its 3-5 working days and some tills don't give out the cancel receipt unless it got declined for some reason. Not for removing the card early. Anyone know why companies do this and how to get it banned?"

my understanding is .. if the transaction goes through before 3 pm then it is 3 days .. ie on a Monday the funds would show on a Wednesday however after 3 pm would be Thursday ... weekends knock the system out therefore if a Friday then it would be Tuesday

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By *adchickCouple
over a year ago

Cyprus

There is more trouble to come with the contactless cards....

M&S card readers have been swiping the cards twice and only giving one receipt (although the banks will suspend the payment to M&S if it looks like this has happened but you have to ring your bank immediately you find out) but most banks are wise to this.

Best way to check is to phone the your bank immediately if you think this may have happened

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By *adchickCouple
over a year ago

Cyprus


"

Its 3-5 working days and some tills don't give out the cancel receipt unless it got declined for some reason. Not for removing the card early. Anyone know why companies do this and how to get it banned?

my understanding is .. if the transaction goes through before 3 pm then it is 3 days .. ie on a Monday the funds would show on a Wednesday however after 3 pm would be Thursday ... weekends knock the system out therefore if a Friday then it would be Tuesday "

Depends on your bank and their clearing system.

ie... Lloyds don't just clear funds for their own customers but for a number of Building Societies

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By *opping_candyWoman
over a year ago

West Yorkshire

I worked at pc world when chip and pin became mandatory. During the switchover from being able to sign, to having to use pin, we would ask 'do you know your pin number?'

The number of people who stood there and said it....

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By (user no longer on site) OP   
over a year ago


"The problem is created due to the owner of the card readers (which is NOT the retailer). Once you have put your pin number in the card reader (usually a company called streamline) they request the funds. AS the OP states it goes into a holding bank, this is to ensure that both consumer and retailer are protected from fraud.

Usually it releases the funds within 24 hours though not the stated few days.

This is also why a retailer pays a charge for using debit or credits cards, usually 1-2.5% of the total transaction which is displayed on your receipt.

If a customer does remove their card to early it can cause issues, however I would say to the OP the best way to avoid this in future would be to turn the reader towards yourself or watch carefully after the customer has put their pin number in.

In terms of your employment their is nothing to worry about unless you continued to have the same issues. If it was a generic problem everyone would have the same problem so if its only happening to you then you are doing something wrong or maybe just not saying the right thing.

Hope this helps but I think it sounds like your taking a bollocking to much to heart, learn from any potential mistakes and don't worry about it."

That is perfect and my main issue was before trying to explain this was. A customer told my boss I removed the card too soon. When in fact I didn't touch his card and my boss believed him. So I was wondering who did employers believe, staff or customers?

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By *lackCherryCouple
over a year ago

Bristol


"

A customer told my boss I removed the card too soon. When in fact I didn't touch his card and my boss believed him. So I was wondering who did employers believe, staff or customers?"

Not a nice situation just depends on the type of person your boss is unfortunately.

Personally id look at track records, if a person has a habit of doing it then sure a warning but if they say they didnt i would account if for just a one off. x

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By *reelove1969Couple
over a year ago

bristol

could it be that the card fell out of the reader like a previous poster said and infact no one touched it .. the customer may of thought that because they never touched it then you had ?

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By (user no longer on site) OP   
over a year ago


"

A customer told my boss I removed the card too soon. When in fact I didn't touch his card and my boss believed him. So I was wondering who did employers believe, staff or customers?

Not a nice situation just depends on the type of person your boss is unfortunately.

Personally id look at track records, if a person has a habit of doing it then sure a warning but if they say they didnt i would account if for just a one off. x"

Does that mean you let them off as its a one off or you believe the member of staff?

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By (user no longer on site) OP   
over a year ago


"could it be that the card fell out of the reader like a previous poster said and infact no one touched it .. the customer may of thought that because they never touched it then you had ?"

Its completely secure so it just comes down to who you believe.

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By (user no longer on site)
over a year ago


"I worked at pc world when chip and pin became mandatory. During the switchover from being able to sign, to having to use pin, we would ask 'do you know your pin number?'

The number of people who stood there and said it.... "

I write it on the back of the card so I don't forget it.

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By (user no longer on site) OP   
over a year ago


"I worked at pc world when chip and pin became mandatory. During the switchover from being able to sign, to having to use pin, we would ask 'do you know your pin number?'

The number of people who stood there and said it....

I write it on the back of the card so I don't forget it."

Years ago. Someone came out and said in 18 months time we will no longer be able to take signatures for chip and pin cards. So we are giving you plenty of time to get a new PIN number. As Michael McIntyre used to say "if it takes you 18 months to remember 4 numbers. You shouldn't be allowed to shop".

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