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AnOther

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To add another variable to the mix:

A couple of years ago I was debited for 3 withdrawals of €400  taken from my usual bank, each on the same day. it was a few weeks later that I discovered it and being disorganised I could not be sure that I had kept hold of all the ATM receipts.

I did find one receipt for the day before which fitted in with my usual spending pattern based on the preceeding and following withdrawals, I thought long and hard and deduced that A: the machine would only have let me one of these withdrawals that day and B: if they were in reality on different dates I could not recall  any reason why my need for money would have changed that drastically. As I had already challenged and been refunded on another occasion when a much larger sum was debited than I had withdrawn (I had the receipt that time) I started the dispute process off once again.

Some while after I realised that I had made withdrawals on 3 consecutive days to pay my taxes foncieres but well before the withdrawal date that was shown on my statement, I am sorry to say that the chancer side of my character decided to let things run with the very tenuous excuse that it took them 9 months and many many visits from me to resolve the last problem, interestingly when they did so they actually managed to go back in time and alter the original debit, thus meaning that I didnt lose out on the minimal interest paid but as they neglected to inform me I had no way of knowing.

I digress, after once more a wait of several months I recieved a letter explaining that the French bank had waited for some time before requesting payment, it went on to explain which days the withdrawals were made, that I had selected French as the language and he hoped that it would jog my memory [:)]

So it would appear that whilst the transaction is flagged immediately and the on-line "available balance" is reduced by the requisite amount based on that days currency rate what you will finally be debited depends when the actual reconciliation is made.

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