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Debit Card nonsense
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Roland Perry
Sep 21, 2012, 5:32:00 AM9/21/12
to
By bank sent me a new debit card (old one expiring) and it has a new
number. Why? Well that's a debate between me and my bank, but I needed
to update the Card authority on the Gradwell site to match, as I know
from bitter experience they cut you off first and ask questions later,
if a card payment ever bounces.
Can't find the place to do this on the website, so had to give them a
call. Initially, their chap can't find it either, but it turns out it's
buried in the "Voip" section, not where all the other account details
are.
Now, you can't add a new card to the mandate, or change the number of
the card in the mandate, all you can do is delete the existing one, and
set up a new mandate.
But - you can't set up a mandate without making a payment (minimum £2
they say). And I was already paid up to date.
So my account is now £2 in credit I suppose...
--
Roland Perry
number. Why? Well that's a debate between me and my bank, but I needed
to update the Card authority on the Gradwell site to match, as I know
from bitter experience they cut you off first and ask questions later,
if a card payment ever bounces.
Can't find the place to do this on the website, so had to give them a
call. Initially, their chap can't find it either, but it turns out it's
buried in the "Voip" section, not where all the other account details
are.
Now, you can't add a new card to the mandate, or change the number of
the card in the mandate, all you can do is delete the existing one, and
set up a new mandate.
But - you can't set up a mandate without making a payment (minimum £2
they say). And I was already paid up to date.
So my account is now £2 in credit I suppose...
--
Roland Perry
Bodincus
Sep 24, 2012, 8:46:43 AM9/24/12
to
| · : · : · : · : · : · : · Original Message · : · : · : · : · : · : ·
| From: Roland Perry
| Date: 21/09/12 10:32
More legacy gremlins in Gradwell's "billing" system.
Why am I not surprised at all?
--
ßodincµs - The Y2K Druid
| From: Roland Perry
| Date: 21/09/12 10:32
Why am I not surprised at all?
--
ßodincµs - The Y2K Druid
Roger Hayter
Sep 24, 2012, 2:33:00 PM9/24/12
to
In message <50605633$0$9134$862e...@ngroups.net>, Bodincus
<nobod...@this.ip> writes
>| � : � : � : � : � : � : � Original Message � : � : � : � : � : � : �
I think this is a feature of the credit card checking scheme.
Without it, typos etc. in the card details could not be checked. Paypal
do exactly the same thing. (I think they refund the money, but they can
afford the costs of doing so - they charge enough.) If one does not
want to lend Gradwell a couple of pounds one can always wait for an
invoice. But I suspect that not checking the information until payment
was needed would lead to more problems. And I am not sure if an initial
debit to check the number on the back of the card may be a security
requirement as I don't think Gradwell would be allowed to keep it.
Anyway, don't Gradwell accept direct debits now, which are much more
sensible?
--
Roger Hayter
<nobod...@this.ip> writes
>| � : � : � : � : � : � : � Original Message � : � : � : � : � : � : �
Without it, typos etc. in the card details could not be checked. Paypal
do exactly the same thing. (I think they refund the money, but they can
afford the costs of doing so - they charge enough.) If one does not
want to lend Gradwell a couple of pounds one can always wait for an
invoice. But I suspect that not checking the information until payment
was needed would lead to more problems. And I am not sure if an initial
debit to check the number on the back of the card may be a security
requirement as I don't think Gradwell would be allowed to keep it.
Anyway, don't Gradwell accept direct debits now, which are much more
sensible?
--
Roger Hayter
Bodincus
Sep 24, 2012, 3:11:31 PM9/24/12
to
| · : · : · : · : · : · : · Original Message · : · : · : · : · : · : ·
| From: Roger Hayter
| Date: 24/09/12 19:33
Yeah, Direct Debit, so they can charge you whatever they happen to
calculate you own them, and not what you really have to pay.
And if you so dare to cancel the Direct Debit to protect your money,
they immediately stop all your live services - and all those of your
customers, if you are a reseller - even if you don't own them a penny,
or even if you are IN CREDIT. Happened to me.
Gradwell has a very haphazard attitude to its clients' monies. And
recently looks like they feel they own you - and your money too.
So, so sad.
| From: Roger Hayter
| Date: 24/09/12 19:33
calculate you own them, and not what you really have to pay.
And if you so dare to cancel the Direct Debit to protect your money,
they immediately stop all your live services - and all those of your
customers, if you are a reseller - even if you don't own them a penny,
or even if you are IN CREDIT. Happened to me.
Gradwell has a very haphazard attitude to its clients' monies. And
recently looks like they feel they own you - and your money too.
So, so sad.
Jim Crowther
Sep 25, 2012, 3:50:49 AM9/25/12
to
In uk.net.providers.gradwell, on Mon, 24 Sep 2012 19:33:00, Roger Hayter
wrote:
>Anyway, don't Gradwell accept direct debits now, which are much more
>sensible?
I can't remember NOT using Direct Debit with Gradwell. I may have used
a continuing authority on a card in the beginning perhaps, but that's a
system I've always avoided if at all possible.
--
Jim Crowther
wrote:
>Anyway, don't Gradwell accept direct debits now, which are much more
>sensible?
a continuing authority on a card in the beginning perhaps, but that's a
system I've always avoided if at all possible.
--
Jim Crowther
Roland Perry
Sep 25, 2012, 4:02:03 AM9/25/12
to
In message <aT+SO1Ac...@kalahari.uninhabited.net>, at 19:33:00 on
Mon, 24 Sep 2012, Roger Hayter <ro...@hayter.org> remarked:
Also it's commonplace for traders to make a "funds reservation" without
actually withdrawing any funds.
>Paypal do exactly the same thing. (I think they refund the money, but
>they can afford the costs of doing so - they charge enough.)
I don't recall them doing that, and no other organisation with whom I
have placed card details for further use, or changed the card details
later, has had this "we must charge you *something* *now* aspect.
--
Roland Perry
Mon, 24 Sep 2012, Roger Hayter <ro...@hayter.org> remarked:
>>> Now, you can't add a new card to the mandate, or change the number of
>>> the card in the mandate, all you can do is delete the existing one, and
>>> set up a new mandate.
>>>
>>> But - you can't set up a mandate without making a payment (minimum £2
>>> they say). And I was already paid up to date.
>>>
>>> So my account is now £2 in credit I suppose...
>>More legacy gremlins in Gradwell's "billing" system.
>>
>>Why am I not surprised at all?
>
>I think this is a feature of the credit card checking scheme. Without
>it, typos etc. in the card details could not be checked.
Most typos will be picked up by the checksum on credit card numbers.
>>> the card in the mandate, all you can do is delete the existing one, and
>>> set up a new mandate.
>>>
>>> But - you can't set up a mandate without making a payment (minimum £2
>>> they say). And I was already paid up to date.
>>>
>>> So my account is now £2 in credit I suppose...
>>More legacy gremlins in Gradwell's "billing" system.
>>
>>Why am I not surprised at all?
>
>I think this is a feature of the credit card checking scheme. Without
>it, typos etc. in the card details could not be checked.
Also it's commonplace for traders to make a "funds reservation" without
actually withdrawing any funds.
>Paypal do exactly the same thing. (I think they refund the money, but
>they can afford the costs of doing so - they charge enough.)
have placed card details for further use, or changed the card details
later, has had this "we must charge you *something* *now* aspect.
--
Roland Perry
Molly Mockford
Sep 25, 2012, 6:05:17 AM9/25/12
to
At 09:02:03 on Tue, 25 Sep 2012, Roland Perry <rol...@perry.co.uk> wrote
in <zudVZ6F7...@perry.co.uk>:
>In message <aT+SO1Ac...@kalahari.uninhabited.net>, at 19:33:00 on
>Mon, 24 Sep 2012, Roger Hayter <ro...@hayter.org> remarked:
payments *into* the bank account, which you don't have to return; but
you do have to tell them how much the payments were, so that they have
evidence that you have full access to the bank account.
I have never known any organisation, from top hotels downwards, make any
charge to a credit card in advance in order to test it; they put
through a "pre-authorisation" for a certain amount, which reserves that
sum against your available balance, but they don't take any money until
the appropriate time, and if they don't take as much as has been
pre-authorised, the reservation for the rest of it lapses.
--
Molly Mockford
Nature loves variety. Unfortunately, society hates it. (Milton Diamond Ph.D.)
(My Reply-To address *is* valid, though may not remain so for ever.)
in <zudVZ6F7...@perry.co.uk>:
>In message <aT+SO1Ac...@kalahari.uninhabited.net>, at 19:33:00 on
>Mon, 24 Sep 2012, Roger Hayter <ro...@hayter.org> remarked:
>>Paypal do exactly the same thing. (I think they refund the money, but
>>they can afford the costs of doing so - they charge enough.)
>
>I don't recall them doing that, and no other organisation with whom I
>have placed card details for further use, or changed the card details
>later, has had this "we must charge you *something* *now* aspect.
Paypal do it with bank accounts, not credit cards. They make two small
>>they can afford the costs of doing so - they charge enough.)
>
>I don't recall them doing that, and no other organisation with whom I
>have placed card details for further use, or changed the card details
>later, has had this "we must charge you *something* *now* aspect.
payments *into* the bank account, which you don't have to return; but
you do have to tell them how much the payments were, so that they have
evidence that you have full access to the bank account.
I have never known any organisation, from top hotels downwards, make any
charge to a credit card in advance in order to test it; they put
through a "pre-authorisation" for a certain amount, which reserves that
sum against your available balance, but they don't take any money until
the appropriate time, and if they don't take as much as has been
pre-authorised, the reservation for the rest of it lapses.
--
Molly Mockford
Nature loves variety. Unfortunately, society hates it. (Milton Diamond Ph.D.)
(My Reply-To address *is* valid, though may not remain so for ever.)
Roland Perry
Sep 25, 2012, 7:15:39 AM9/25/12
to
In message <UFJJRJXd...@molly.mockford>, at 11:05:17 on Tue, 25 Sep
2012, Molly Mockford <nospam...@mollymockford.me.uk> remarked:
>so that they have evidence that you have full access to the bank
>account.
Although the last time I set up a new Paypal Account (now closed) I
didn't have online banking and so went into my branch to ask for a
statement. They were sufficiently non-plussed by my saying "I don't want
the balance, but just need to know if you've had two small payments in
the last coupe of days" that they told me the two amounts without ever
verifying my ID. Obviously I knew the account number, but that's public
information (virtually).
>I have never known any organisation, from top hotels downwards, make
>any charge to a credit card in advance in order to test it; they put
>through a "pre-authorisation" for a certain amount, which reserves that
>sum against your available balance, but they don't take any money until
>the appropriate time, and if they don't take as much as has been
>pre-authorised, the reservation for the rest of it lapses.
I think I've known some foreign hotels take (say) ten Euros, which they
then refund if you don't have a bar-bill (or whatever) on checking out.
But as you say, most of them don't.
--
Roland Perry
2012, Molly Mockford <nospam...@mollymockford.me.uk> remarked:
>>>Paypal do exactly the same thing. (I think they refund the money, but
>>>they can afford the costs of doing so - they charge enough.)
>>
>>I don't recall them doing that, and no other organisation with whom I
>>have placed card details for further use, or changed the card details
>>later, has had this "we must charge you *something* *now* aspect.
>
>Paypal do it with bank accounts, not credit cards. They make two small
>payments *into* the bank account, which you don't have to return; but
>you do have to tell them how much the payments were,
Yes, I know about that. Got the t-shirt.
>>>they can afford the costs of doing so - they charge enough.)
>>
>>I don't recall them doing that, and no other organisation with whom I
>>have placed card details for further use, or changed the card details
>>later, has had this "we must charge you *something* *now* aspect.
>
>Paypal do it with bank accounts, not credit cards. They make two small
>payments *into* the bank account, which you don't have to return; but
>you do have to tell them how much the payments were,
>so that they have evidence that you have full access to the bank
>account.
didn't have online banking and so went into my branch to ask for a
statement. They were sufficiently non-plussed by my saying "I don't want
the balance, but just need to know if you've had two small payments in
the last coupe of days" that they told me the two amounts without ever
verifying my ID. Obviously I knew the account number, but that's public
information (virtually).
>I have never known any organisation, from top hotels downwards, make
>any charge to a credit card in advance in order to test it; they put
>through a "pre-authorisation" for a certain amount, which reserves that
>sum against your available balance, but they don't take any money until
>the appropriate time, and if they don't take as much as has been
>pre-authorised, the reservation for the rest of it lapses.
then refund if you don't have a bar-bill (or whatever) on checking out.
But as you say, most of them don't.
--
Roland Perry
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