xsdirect charged me twice

ron28688

i'v just bought car insurance from xs direct from the website with my visa card.. first of all the site froze when i had entered all my details and clicked the purchase button, then i check my bank balance and notice the ******* charged me twice.. and i dont even have confirmation of anything no email no receipt..nothing. what do i do here?

Alanstrainor

Call them in the morning?????

TouchingVirus

You call them up tomorrow and ask for a refund.

ron28688

ffs im ragin.., how long would a refund take? that was pretty much all my money

bazz26

Is it a debit or credit card? If it is a credit card then ring your credit card company also and get them to stop one of the payments. When you pay with your credit card the retailer doesn't get to take the money straight away, all they are authorised to do is reserve an amount from your credit balance. Your credit card company or bank will then authorise payment usually a few days later once the transaction has been validated.

Not sure if a debit/laser card works the same way as it is actually authorising payment from your funds in your current account rather than a line of credit.

georgefalls

From bitter experience. Getting a refund can take 5-10 working days, which is ridiculous, as they can take the money instantly.
How come they can take it, but not give it back, is a mystery, know only to the greedy beggers, who hold on to your cash for as long as possible.

ron28688

It was an aib visa debit card i used... im still waiting on the refund, i phoned them and the women said 2 to 3 days which was obviously pure bull... also havnt recieved an email yet or gotten any reference number what so ever she couldnt give it to me over the phone apparently.. im not even sure if im actually insured at this point. first few days experience with xs direct and im not a happy camper

Matt Simis

ron28688 wrote: »

It was an aib visa debit card i used... im still waiting on the refund, i phoned them and the women said 2 to 3 days which was obviously pure bull... also havnt recieved an email yet or gotten any reference number what so ever she couldnt give it to me over the phone apparently.. im not even sure if im actually insured at this point. first few days experience with xs direct and im not a happy camper

This isnt a motoring topic in the slightest.. I would ring my Card Issuer and report an un-auth transaction. And maybe be more careful pressing submit on websites experiencing timeouts in future.

ron28688

Matt Simis wrote: »

This isnt a motoring topic in the slightest.. I would ring my Card Issuer and report an un-auth transaction. And maybe be more careful pressing submit on websites experiencing timeouts in future.

how could i be more careful when i have no idea the site would experience a timeout, i only clicked purchase once. i would of thought car insurance would of been a motoring topic. or maybe it belongs in the arts and crafts section :rolleyes: