An error with the payment despite money leaving my bank account

MoonIsB

Silver Level Poster
Pretty much title placed my order there 5-10mins ago and I get an email saying that (title) despite the money having left my account Is this normal or what should I do?
 

MoonIsB

Silver Level Poster
You need to contact PCS as they are the only ones who can resolve it...may simply be a technical error or it may be a faulty message
Right, btw is there a way to change to PO box on the invoice address, for some reason it only put in half of what i wanted, though the rest of the address is right and my other delivery is completely correct does it matter?
 

Rakk

The Awesome
Moderator
Right, btw is there a way to change to PO box on the invoice address, for some reason it only put in half of what i wanted, though the rest of the address is right and my other delivery is completely correct does it matter?
If you cant do it in your order details you'll need to talk to PCS, ask them about both things at the same time :)
 

Rakk

The Awesome
Moderator
If you can, phoning will be a lot quicker, not sure how long the messaging system through your account will take, but I know emails have upto about a weeks turnaround at the mo (covid, supply shortages etc).
Edit: I believe when phoning, that first thing is probably the best time to get the shortest queue, but that may obviously change
 

MoonIsB

Silver Level Poster
If you can, phoning will be a lot quicker, not sure how long the messaging system through your account will take, but I know emails have upto about a weeks turnaround at the mo (covid, supply shortages etc).
Edit: I believe when phoning, that first thing is probably the best time to get the shortest queue, but that may obviously change
Yeah I'll give them a call tomorrow I think probably best to try right in the morning
 
D

Deleted member 17413

Guest
Debits work in two steps, the first ringfences the money, the second is the money being collected by the party thats being paid.
If the order hasnt gone through, which you can look at your PCS account to see as it shows you yours orders, it will still have ring fenced the money in your account and so wont show on your active balance.

If the order hasnt processed, then PCS arent going to have an authorisation token to pick up that money, so it stays in your account and the ringfencing basically times out, so the money reappears. Process can take a few days though, which is annoying, but nothing PCS can do about that. Thats just how debits work. Loosely speaking.
 

Bhuna50

Author Level
Has the money definitely left your account or is it just showing at the moment as a 'reserve' on the funds?
 
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Deleted member 17413

Guest
Has the money definitely left your account or is it just showing at the moment as a 'reserve' on the funds?
Normally, this would not be visable to a customer.... You may see last active balance and active balance, but ring fenced amounts arent normally visable to bank customers.
 

MoonIsB

Silver Level Poster
Debits work in two steps, the first ringfences the money, the second is the money being collected by the party thats being paid.
If the order hasnt gone through, which you can look at your PCS account to see as it shows you yours orders, it will still have ring fenced the money in your account and so wont show on your active balance.

If the order hasnt processed, then PCS arent going to have an authorisation token to pick up that money, so it stays in your account and the ringfencing basically times out, so the money reappears. Process can take a few days though, which is annoying, but nothing PCS can do about that. Thats just how debits work. Loosely speaking.
Yeah I didn't know that just a bit nervous about this all, and yeah i paid by debit card
It depends who you bank with now
Yeah I bank with an Irish band so I highly doubt its gonna be instantaneous just a bit nervous XD
 
D

Deleted member 17413

Guest
Have you gone into yoru PCS account to see what it shows you there?
 
D

Deleted member 17413

Guest
Yeah it says awaiting card payment
Then yeah, you are just stuck.

It happens sometimes, and its a failsafe in the debit system theres nothing you can do but wait. It can take a few days to release, but your money wont just vanish.
 

MoonIsB

Silver Level Poster
Then yeah, you are just stuck.

It happens sometimes, and its a failsafe in the debit system theres nothing you can do but wait. It can take a few days to release, but your money wont just vanish.
Guess it's just a waiting game, still gonna have to call about my invoice address but I'd assume they can change it if the money wasn't even accepted by then
 
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