Yeah. Well I was just confused as I didn't think I would see the £459 in my available balance after it had been taken out already. I don't think anything is wrong because my order status has not changed etc, maybe this is the way Lloyds do it. Maybe I will pop into the bank on the way home.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
iPad EU News (Abandon all hope, ye who enter here..) ("Are you nuts?!" - Steve)
- Thread starter Yixian
- Start date
- Sort by reaction score
- Status
It might have been mentioned a bazillion times but it's wrong. It is standard practice with credit cards, not debit cards. From the Apple help pages:
However, it's quite possible that they're still working through a massive pile of orders and still working on placing the charges to people's cards: my debit card payment took about 36 hours to appear. However, the cash should be debited at time of sale for a debit card.
I'm a Lloyds customer too and the money from my 32GB 3G just popped back in, which I was expecting. None completed pre-authorisation holds are released 5-7 days after they are made. Expect the cash to leave (forever!) around the 26th/27th. No need to check in the with bank, promise!
Apple Regent Street
Wow a lot of you all went the pre order online way.
Are they peeps out there who intend to go and try and buy from Apple on the day of release?
I'm gonna que up at the Apple store Regent Street London on May 28th.
Only been to one Apple launch and that was for the first Iphone 2G. Walked in at 6pm and they had tons. Then again the demand for the 2G was nothing compared to the 3G and 3Gs.
Wow a lot of you all went the pre order online way.
Are they peeps out there who intend to go and try and buy from Apple on the day of release?
I'm gonna que up at the Apple store Regent Street London on May 28th.
Only been to one Apple launch and that was for the first Iphone 2G. Walked in at 6pm and they had tons. Then again the demand for the 2G was nothing compared to the 3G and 3Gs.
Wow a lot of you all went the pre order online way.
Are they peeps out there who intend to go and try and buy from Apple on the day of release?
I'm gonna que up at the Apple store Regent Street London on May 28th.
Only been to one Apple launch and that was for the first Iphone 2G. Walked in at 6pm and they had tons. Then again the demand for the 2G was nothing compared to the 3G and 3Gs.
I would have loved to pre-order and collect in store on the 28th. However only our cousins across the pond got that privilege. I didn't want to go on chance when it's a 250 mile round trip for me.
@johnnyireland, just in case you are interested in knowing, there are differences between debit cards and credit cards. Debit cards are routinely hit for pre-autnorizations. Credit cards aren't because by nature they are pre-autnorized, thus the word credit. Apple always, hits you for a pre-auth. It is annoying and unnerving sometimes but this is how they operate. Don't believe me, call them and have them explain it to you. You might ask yourself how did I come across this nugget of info. Quite simple, I called and asked instead of speculating.
I called the bank and Apple and got various assorted answers. Thats where forums are handy. You get wider range of up to date replies. Some are sarcastic or vitriolic, but that goes with the territory.
True. I called Apple because they took the money. I then called my bank and they said that this is a normal practice with a debit card. As I mentioned Apple said that this is their standard policy. Either way they will get the money when they ship the products.
I think if it hadn't been for all the delays, uncertainty and knock backs, coupled with concern about where you are if you miss the window of opportunity there wouldn't be so much paranoia about these sort of things.
Well, thats the thing, isn't it. These people who claim that they know it all about how the banks work, quoting Apple's website etc etc. then all they can do is talk down to people like they are little kids, and not 35 as in my case.
But the bottom line is that I used a DEBIT Card, but Apple have NOT taken the money yet -they have only put aside the amount through a preauthorisation. Preauth and actually taking the money is two different things. To put it in perspective, if I cancelled my order now then Apple would not be issuing me with a refund -why? Because they haven't TAKEN the money yet, even though I used a Debit Card. So no, the money hasn't already been taken, I don't care what the Apple website or anyone else says on here.
And, I did call my bank today which is 'how I came across this nugget of info'
But the bottom line is that I used a DEBIT Card, but Apple have NOT taken the money yet -they have only put aside the amount through a preauthorisation. Preauth and actually taking the money is two different things. To put it in perspective, if I cancelled my order now then Apple would not be issuing me with a refund -why? Because they haven't TAKEN the money yet, even though I used a Debit Card. So no, the money hasn't already been taken, I don't care what the Apple website or anyone else says on here.
And, I did call my bank today which is 'how I came across this nugget of info'
Well, thats the thing, isn't it. These people who claim that they know it all about how the banks work, quoting Apple's website etc etc. then all they can do is talk down to people like they are little kids, and not 35 as in my case.
But the bottom line is that I used a DEBIT Card, but Apple have NOT taken the money yet -they have only put aside the amount through a preauthorisation. Preauth and actually taking the money is two different things. To put it in perspective, if I cancelled my order now then Apple would not be issuing me with a refund -why? Because they haven't TAKEN the money yet, even though I used a Debit Card. So no, the money hasn't already been taken, I don't care what the Apple website or anyone else says on here.
And, I did call my bank today which is 'how I came across this nugget of info'
I never said I knew everything about banks. I do know how it worked in my case based on conversation betweens Apple and my bank. You are cordially invited to prove me wrong. The fact that you used a debit card and experienced the same set of conditions pretty much makes my case. While the money is not gone from your account, you do not have access to it, so in effect it gone until Apple sends a return authorization and your bank posts it back to your account. So, no Apple would not issue you directly a refund but they would inform your bank that they are no longer requesting or blocking the funds and they can now reflect this on your account. Again, please prove me wrong if I have misstated anything.
This is where I have to beg to differ. I have spoke to the bank and Apple. Money was shown as taken from the account as you describe. However now it has been returned. I DO have access to it. In fact to quote the bank, the current state of affairs is as if that transaction never happened. It doesnt even show up online anymore. Gone, vanished. Apple are not aware of this and will happily try and take the money again in a week or so time. To the bank this appears as a totally new transaction according to them and could be flagged as fraudulent. Thats why I do have to intervene and make sure it doesn't happen. One hiccup in Apples eyes and it's a cancelled order and get to the back of the queue mate. So I don't think all banks deal with things exactly like yours does.
You have a point. I read on here that someone had theirs lost via USPS (US Postal Service). As I work for the Gov, mine was sent via USPS to an APO. This alone was enough to generate gray hair. Not to mention the fact that I had 2 of them. They arrived within 4 days and I started breathing again.
Exactly. My bank still shows the money coming out and 2 days later returning. My bank is a US based bank so their might be differences based on countries, banks, regulations, etc.... When Apple did a pre-auth to my account, they took 1506 dollars for 2 iPad. 2 or 3 days later, they sent a return auth to the bank and the money showed up in my account. I have a record of the taking of the funds, and a return of the funds. One thing I forgot to mention is that both transactions sit in a pending status and are cleared once the transaction is completed. Does your bank show pending transactions?
No it doesn't. The bank couldn't even see evidence of the transaction itself anymore. In my conversation with them they say this sometimes happens when people change their mind on buying something in a shop and the vendor hits the cancel key. So in the banks eyes it's a cancelled transaction. In Apples eyes everything is great and on track. I just hope everyone else thinks that when they go to eventually take the money.
Wow. That's different. I am glad I get to see what comes and goes but in the end I guess it all works out the same.
Hehe, I'd forgotten about this - saw this in Bristol a couple of weeks ago and couldn't resist a little P'shopping (well, GIMPing actually )
(For those that no speak Bristolian, it means "Where is that Apple")
)(For those that no speak Bristolian, it means "Where is that Apple")
I was going to bid on that one! Still waiting on a few items to sell first, finish Monday hopefully will give me enough to buy an iPad from ebay(in UK) then and maybe collect tuesday
How exciting!
Yeah that is true 250 miles is a long way just to risk it.
Luckily for me my local store is en route to work
I did call up my local Apple shop twice and also went there in person and they have confirmed that there wont be any chance of pre ordering or reserving to pick up from stores
I asked if the reservation thing was likely to change as the launch date gets closer? He said that it was not possible as their computer database would have generated the reserve numbers by now. He also said they would not be opening earlier then usual
Roll on May 28th
I understand saving money, and that a lot of free apps can be as good as paid alternatives... but don't limit yourself. Some CHEAP apps are incredible. GoodReader isn't free, but it's almost essential.
I've played with loads of apps on my friend's iPad and from that experience have started downloading what I want, including some paid apps. I actually can't remember most of them now, but here are a few free ones I can remember enjoying:
Harbor Master
Newsy
Nike Football+ Team
Twitteriffic
TweetDeck (need to use both some more to really choose one)
Filterstorm (Photogene is better though but costs money - I say go with Photogene)
Epicurious
Evernote
IMDB
Wordpress (meh, not great but better than iPhone version)
NYTimes
Wikipanion
iBooks (will be free on 28th)
Tap Tap Radiation
Loads more but I'll need to check later.
Definitely consider paid apps. I love the iPad versions of Bento, LogMeIn, Real Racing, ESPN Sports Centre, Photogene, Starwalk, Popular Science, GoodReader and I'll update with more when I get back to my laptop.
Got my USA goodies today!
iPad 3G 64GB, iPad Dock, iPad Camera Connection Kit, Fossil iPad case.
Trust me guys, when you get them you'l love it!
iPad 3G 64GB, iPad Dock, iPad Camera Connection Kit, Fossil iPad case.
Trust me guys, when you get them you'l love it!
Paranoia? Who said anything about paranoia? I'm not paranoid? I didn't say I was paranoid. Did someone else say I was paranoid? Maybe someone said I was paranoid. Did they tell people I was paranoid? Who knows? I don't know.
Gotta pass the time between now and then somehow.
- Status