Before Christmas my wife bought two tickets for the West Ham match and paid for them using Switch. However, the money didn't leave her bank account until 14th Jan, three weeks after the transaction. She has called her bank and they have said it is because the club didn't 'bank' the Switch slip until then. My wife has called the club to complain and to be honest she would have been better calling the Samaritans. Has anyone else had the same thing happen?
From another point of view, that's not how Switch is supposed to work. It's EFTPOS which is allegedly electronic funds transfer at the point of sale. It's meant to work like cash, not a cheque that isn't cashed until you're least expecting it. Lot's of people would assume that it would be reasonable to expect the funds to clear within a couple of days at the most.
The point could be that she would assume the money had been debited and so had a false belief of what her balance was. The club should settle transactions with the bank daily but the system they use is so old that this means extra administration and is open to error and delays. They need an electronic APACS system that settles with the bank, automatically every day.
the club operates in the dark ages still asking for signatures too when I believe these are no longer accepted by the banks as a legal means on non repudiation
RE: whats the problem? Yes it did in theory but the payment came out the day before she was paid, insufficient funds and a £28 bank charge. £30 tickets end up costing £58
Also one would have thought that the club needed jdd's money as fast as it was available to earn interest and not leave it sitting about in a drawer all week. And it risks alienating customers.
Do they still charge £2 for Debit Card transactions? Disgraceful behaviour. They did it to me once and I've paid for everything in cash ever since.</p> And cash costs far more to process than card transactions - but try telling that to the numpties running BFC. </p>
Sounds like one of the manual credit slips was used rather than typing the transaction into the machine.
