Duplicate Switch transaction

The bank. I had this same shit from my credit card company last year. After I had been to a restaurant (in Spain) they called me the next day to say that the identical amount had been put through 3 times in a few minutes and I should check when my statement came out to make sure there was only 1 transaction. Well, when it did come through a month or so later there were still 3 identical charges, so I called the cc co, and they said 'oh could you call the restaurant to get them to cancel two of them'. I said 'no'* and then they immediately cancelled 2 of them themselves, though I still had to fill a form in that they sent me. No doubt its some idle git at the cc co hoping not to have to spend a few minutes doing something.

Look at it another way, suppose that you had never eaten in this place and you got a charge from them. Would you expect to have to wait for *them* to refund your money? I don't think so! So, similar situation, the fact you ate there previously makes no difference, its an incorrect charge and the bank should fix it pronto.

It's the responsibility of your card issuer. It's not clear from your post whether you're using the term 'NatWest' as really meaning your cc card company. Your post suggests you've called your bank, (NatWest), because funds have been taken - presumably by direct debit, from your NatWest current account at a guess.

There are probably two institutions here, your NatWest cc company and your NatWest bank. It's no good talking to the (NatWest) institution that manages your current account, you need to talk to the cc arm of the bank.

The procedure is quite simple. You tell them - the cc company, that a charge has been misapplied and ask for it to be re-instated. They will take this up via the Visa/Mastercard system and ask the restaurant to prove that the charge is valid. The process takes about 45 days, and after this period, assuming the restaurant can't prove the validity of the charge, your card account will be credited.

Rgds,

__ Richard Buttrey Grappenhall, Cheshire, UK __________________________

"Richard Buttrey" wrote in message news: snipped-for-privacy@4ax.com...

The original post was very clear, he never used a credit card, he used a Switch card.

Joe

I had a similar problem a couple of years ago using a switch card from First Direct. Bought CD's from a shop and the transaction went through twice. Rang the bank and they said they would sort it out. Can't remember how long it took, about a week or so. They refunded the money and then a couple of days later the shop did as well. But the upshot was it was the bank that did all the work, not me.

Jules

Oops, sorry. Mea culpa

Funnily enough at a new year party I'd been debating this general subject (re ccs) and I guess I've not yet recovered :-)

Cheers

__ Richard Buttrey Grappenhall, Cheshire, UK __________________________

Thanks for the replies. It seems pretty clear that it is the bank's responsibility to sort this out. I'll call them again in the morning.

Happy 2005!

I find the best way to get them to refund it is to ask for copies of the signed vouchers for both transactions if they are not willing to refund.

Thanks for all the answers.

I rang NatWest on Tuesday and got through to someone rather more helpful. He passed it to the appropriate department, who have sorted it out and refunded my money.

Problem solved!