Charged twice but no receipt!

[Refilona]

Went to B&Q today and while paying with my card, the machine said "declined". I tried again and it went through fine. Now at home, checked my online banking and I've been charged twice. Problem is, I threw the receipt away. What should I do?

Can you get the receipt out of the bin? Even if it's a bit messy or crumpled it should be readable but unless you mean that you got a receipt that said the first one was declined having the actual reciept won't prove anything will it?

However this happened to me once and I rang the credit card company and explained, they said they would remove the second charge but that the retailed could dispute it. They didn't but it would have been obvious that it was a glitch rather than two amounts exactly the same seconds apart.

Have you spoken to your bank?

No, I'll ring HSBC. Didn't think of that, thank you!
I think I threw the receipt away in the shopping park as it was stuff that I knew I wouldn't return. Thanks.

Are you sure it's definitely come out or is it that your available funds are showing lower? I work for an online retailer and sometimes payments go through twice but go to delayed settlement so we manually have to reject one of the payments and clears on the customers account within a day or two.

Have had this happen in Asda before. The system will realise the double take as it can only match up to one transaction so the second payment will bounce back.

If it does go through and you can't get hold of the receipt, you can always use your online banking/bank statement as proof of what's happened. I work in retail and I'd accept that

Mustbe - that's not what happened to me, my credit card was actually charged twice. Maybe it's different for debit card but I had to call to get the duplicate charge cancelled. If I hadn't noticed the shop would have had my money twice

Refilona - I'd definitely go through the bank. I wouldn't bother trying to get B & Q to sort it out

I also work at a retailer and if they work like our tills a payment will not go through with us unless a receipt prints. It just goes into holding and is returned to your account within a couple of working days as a PP said. I would imagine as B&Q are a big retailer like us then it's the same

Still worth calling the bank to check as, with us, if a customer calls us then there is nothing we can do and we refer them on to the bank.

If it appears twice in your bank statement you won't actually need the receipt.

I always tell people this cake "ohh noo I won't be charged twice for that will i??" "No, if it was successful a receipt would have been printed"

Maybe some shops have systems that don't allow a duplicate but if it appears twice on the OP's statement it sounds like she was charged twice.

As I said mine was a credit card charge and it was a big high street name, they aren't all the same

I have called the bank and they filled a form to release the funds (even though both payments were in my pending transactions). He said the retailer would likely have rejected one of them anyway. He said they could dispute it though. I'll keep an eye out to make sure they don't. I think they were having this problem today because the lady before me in the till was taking ages and there was a lot of faffing around her card payment, but I wasn't actually paying attention.
Thanks everyone.