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payment processed twice

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  • 16-01-2014 5:09pm
    #1
    Call me Al
    Registered Users Posts: 3,028 ✭✭✭


    I am wondering if anyone can advise what my rights are in this case?

    I was making a payment online to one of our telecom providers this morning for 132e. The payment appeared to reject after I hit "pay now" saying that an error had occurred and to try again later.
    I phoned and was advised by an automated system that the amount was still outstanding so I paid over the phone through the automated system I had been directed to.
    I now find that the first payment did actually go through. I've just called them and their response, after initially asking me to contact my bank to request a direct debit refund until I pointed out this was their system error, is that they will simply credit my account with them.
    I want them to reimburse me. Have I any rights?
    I could hear the girl typing every single thing I was saying down which was very unnerving.
    Thanks


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    #2
    dudara
    Registered Users Posts: 33,518 ✭✭✭✭dudara


    Did you pay by credit card, bank transfer or some other means?


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    #3
    Call me Al
    Registered Users Posts: 3,028 ✭✭✭Call me Al


    I paid with my PTSB visa debit.


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    #4
    topcatcbr
    Registered Users Posts: 1,477 ✭✭✭topcatcbr


    Same happened me. The bank insists that both payments were processed by vendor but vendor is only giving credit for one.


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    #5
    Call me Al
    Registered Users Posts: 3,028 ✭✭✭Call me Al


    topcatcbr wrote: »
    Same happened me. The bank insists that both payments were processed by vendor but vendor is only giving credit for one.

    Can they see only one credit on your account? They should be able to trace the transaction though.
    They can see both on my account, but wont refund either of them.


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    #6
    topcatcbr
    Registered Users Posts: 1,477 ✭✭✭topcatcbr


    Call me Al wrote: »
    Can they see only one credit on your account? They should be able to trace the transaction though.
    They can see both on my account, but wont refund either of them.

    The bank has two authorisation codes but the vendor only is showing one. When I rang them they gave me a run around then said they'll do a query on the account. That is 3 weeks ago now and have sent me my next bill but nothing yet. The bank say they can do a payment dispute from that side. I'll give another week and then initiate that.


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    #7
    wmpdd3
    Registered Users Posts: 9,624 ✭✭✭wmpdd3


    Go straight to payment dispute, at least the bank has 2 authorisation codes, usually there is only one and a shadow transaction.


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    #8
    Call me Al
    Registered Users Posts: 3,028 ✭✭✭Call me Al


    wmpdd3 wrote: »
    Go straight to payment dispute, at least the bank has 2 authorisation codes, usually there is only one and a shadow transaction.


    Thanks wmpdd3. I will call them in the morning.


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    #9
    dudara
    Registered Users Posts: 33,518 ✭✭✭✭dudara


    If the merchant has only received one authorisation code, but the bank has two, then it sounds like the other one has gotten lost in the payment gateway. Start the dispute with your bank.


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