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kindly advice erroneous visa transaction
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Toxicity
#1 Posted : Saturday, September 04, 2010 12:08:35 PM
Rank: Member

Joined: 1/15/2010
Posts: 458
I did a transaction with my Visa card in a supermarket , the link was down hence i was told the transaction was not effected.....i paid cash and left...on checking my statement 2 days later the visa transaction is effected! i have gone to the bank and they said they want to make a few calls first!
What should i do? what avenues should i follow in case both paties become stubbon?
update president set president = speaker where president is null
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  | | Edit by moderator: Saturday, September 04, 2010 10:31 PM | Reason: title clarified
webish
#2 Posted : Saturday, September 04, 2010 12:13:10 PM
Rank: Member

Joined: 10/19/2009
Posts: 671
Location: Nairobi
affected how?

Life is joy, death is peace, but the transition is very difficult.
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newfarer
#3 Posted : Saturday, September 04, 2010 12:35:54 PM
Rank: Elder

Joined: 3/19/2010
Posts: 3,505
Location: Uganda
if they become toxic , also be toxic ask to talk to the top manager in case of the supermarket or branch manager in case of the bank
punda amecheka
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mkenyan
#4 Posted : Sunday, September 05, 2010 12:04:32 PM
Rank: Veteran

Joined: 4/1/2009
Posts: 1,885
will take time but they will reverse it. i take it you did not sign for it.
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Toxicity
#5 Posted : Monday, September 06, 2010 12:48:03 PM
Rank: Member

Joined: 1/15/2010
Posts: 458
@newfarer...if they become toxic, i will def become toxic
@mkenyan...I did not sign for it and as you say a very good banker friend of mine told me it will be reversed but will take up to 7 days.

But the Staff of the same supermarket were very uncooperative when i raised the issue and treated me Kind of a credit card fraudster insisting on the Statement before they even talk.
update president set president = speaker where president is null
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Outvestor
#6 Posted : Monday, September 06, 2010 12:56:46 PM
Rank: Member

Joined: 8/8/2009
Posts: 171
Toxicity, I was in the same boat a while ago, and managed to get my funds back.

The funds would normally be in "reserved" state, awaiting to be claimed by the payee. (You should see this in your statements).

The bank has to organize with the Card Centre guys for the "reserved" funds to be unfrozen. For this, you will be required to sign an indemnity form. (It would greatly help if you present any documents related to the trasaction).

After the completion of background checks by card centre, you should get your funds back.

The sticky point would be if the payee indeed claimed the "reserved" funds, in which case you need to follow up with the payee.

Otherwise, there is a limit to the duration in which funds may stay in "reserved" state following a card transaction. After the lapse of this period (not sure if it's 90 days), the funds will automatically be made available to the payer.
¡ʇɹoɟɟǝ ƃuıɟɟǝ ǝɥʇ ɹoɟ ɥɔnɯ os ؛uıɐʌ uı ɔıqɐɹɐ ƃuıuɹɐǝן pǝıɹʇ ı
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  | | Edit by user: Monday, September 06, 2010 12:59 PM | Reason: Not specified
Toxicity
#7 Posted : Tuesday, September 07, 2010 1:22:54 AM
Rank: Member

Joined: 1/15/2010
Posts: 458
@outvester....thank you for your indepth explanation, i will go to the bank and using ur information demand to get the transaction reversed....i do have the receipt that i was given when i paid cash and more so did not append my signature at the supermarket...
update president set president = speaker where president is null
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whynow
#8 Posted : Tuesday, September 07, 2010 7:08:38 AM
Rank: New-farer

Joined: 7/19/2010
Posts: 98
Location: Kenya
just experienced the same today. Withdraw 20,000.00 frm Co-op ATM no cash given but account debited. Told me they have to reconcile first.
Just hope the ATM never gave out the money 1 hr after I had left the ATM lobby.
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Elder
#9 Posted : Tuesday, September 07, 2010 12:53:46 PM
Rank: Elder

Joined: 9/7/2010
Posts: 2,148
Location: elderville
whynow wrote:
just experienced the same today. Withdraw 20,000.00 frm Co-op ATM no cash given but account debited. Told me they have to reconcile first.
Just hope the ATM never gave out the money 1 hr after I had left the ATM lobby.


Pray Pesa gone....Pesa Pap. Pray my friend pray, or look for the Real Shaft or Cindano or Musumari.
He who can express in words the ardour of his love, has but little love to express. - Petrach, Son. (That men by various ways arrive at the same end. - Montaigne, The Essays of.)
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Toxicity
#10 Posted : Thursday, September 16, 2010 10:01:18 AM
Rank: Member

Joined: 1/15/2010
Posts: 458
@all, after several visits to the bank the amount was finally reversed back to my account.....
update president set president = speaker where president is null
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