OK so I have been using online deliveries and mostly it has been OK until now.
I did post something on legal, but this is more by way of information for others,
If you order from Morrison's they do not take payment then, they wait until after delivery.
If you have paid on a card and for some reason it fails, then they will try again, and again and again, for three months. They do not contact you. Their terms and conditions say they will but in reality if you log in again you may get a message saying there has been a failed payment.
If the payment continues to fail, after three months they pass the debt to a debt collector.
AIBU that most people would not object to an email or phone call saying, "sorry your payment failed, do you have an alternative method of payment?"
Apparently Morrison's think this would upset their customers. I think the debt collector would be more upsetting.