Cust came in ten days ago and tried to pay for £82 worth of stuff with her bank card. Her card kept getting declined. Blaming our chip and pin machine for it she let her partner pay for the items in cash. She then left and 'phoned' her bank only to come back in and tell us that her bank has had the money taken out so she has now paid for the items twice.
We checked our authorisation program and it was showing her transaction as pending. To make her feel stupid she was shown the print out which listed all transactions apart from hers as fine, so it couldn't be our machine at fault.
Telling her that she could have the cash back and we would contact her if the payment failed, she then asked why it wouldn't go through. After explaining that the money was being blocked by something she then didn't know what would happen to her money if it was declined. EM told her that it would bounce back into her account. she essentially went away with £82 of stock she hadn't paid for.
As the transaction did eventually fail she was contacted and she told us that her money situation had changed and she was having her account 'drained' by the jobcenter (only thing we could think of is that she had been working and still claiming jobseekers allowance and they found out and want it back).
She asked if she could pay half at the end of this month (April) and half at the end of the next month (May).
On being told no, as she had already screwed up our finances enough already, we would have to debit the full amount at the end of this month. She said she gets paid on the 28th, which, strangely, turns out to be a Saturday.
Upon telling our finance assistant what the eventual out come was for all of this she said 'I bet that account is closed by the time you go to debit her account'
That's why we're planning to take it out on the Friday before and if she realises 'if' her account is still open, just tell her that it must have been something to do with the weekend...
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