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Ulster Bank/Visa Debit Card Questions - Is this dodgy?

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  • 13-08-2010 5:30pm
    #1
    The Lovely Muffin
    Closed Accounts Posts: 6,595 ✭✭✭


    Hi,

    Yesterday I went into Ulster Bank and lodged €52.25 in my account, there was already €6.16 in my account so when I lodged the €52.25 is brought my account balance to €58.41.

    Yesterday evening I used my card to pay for something which came to €17.20, meaning my balance should have been €41.21 and my balance is €41.21, but the amount available for me to spend is only €17.03 not €41.21, which it should be.

    Last night I ordered something from axparis.co.uk and paid by card - but this morning when I checked my emails I had an email from axparis.co.uk saying my order had been cancelled. SO I am assuming that they haven't taken the money (£19.95 GBP, fwiw) for the order as they cancelled my order.

    I am confused as to why I can only spend €17.03 when I should be able to spend €41.21.

    Am I missing anything here? Is there something obvious in the above text that just isn't registering with me atm? lol

    Again, I am with Ulster Bank and have a Visa Debit card with them. I have no payments at all coming from my account, the only payments that come from my account are the online purchases I make and any POS I make, nothing else at all.

    I check my online banking everyday so I would notice anything suspicious/dodgy with my account straight away. I get statements once a month and I scrutinize them and there has never been anything dodgy like this before.

    The bank is closed now until Monday so I'll call into them/phone them first thing Monday about this.

    Thanks.


Comments

  • Options
    #2
    Davy
    Registered Users Posts: 19,340 CMod ✭✭✭✭Davy


    No need to wait till monday, give them a call +353 1 804 7475


  • Options
    #3
    The Lovely Muffin
    Closed Accounts Posts: 6,595 ✭✭✭The Lovely Muffin


    Davy wrote: »
    No need to wait till monday, give them a call +353 1 804 7475
    Thank you very much Davy.:D:)


  • Options
    #4
    The Lovely Muffin
    Closed Accounts Posts: 6,595 ✭✭✭The Lovely Muffin


    Update:

    I phoned Ulster Bank on the number Davy posted and the guy I spoke to said that there is a payment pending to Ax Paris and it could take a few days for it to be released.

    I explained to him that the order was cancelled and he said the payment should be released and refunded to my account within a few days.

    I'll wait until next Friday and if the payment still hasn't been cancelled/refunded to my account, Ax Paris will be hearing from me.:mad:


  • Options
    #5
    3DataModem
    Registered Users Posts: 3,997 ✭✭✭3DataModem


    Google "pre-authorisation"


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