Calm down folks, I'm not trying to lead the BrailleNote discussion astray. A little while back there was a question about whether they charged your card when you got on the transplant list or on delivery. My note was simply to expound on that topic. If you are using a debit card, or a credit card, for that matter, which doesn't have enough money on it, but will have enough money on it when your transplant is worked on, then be careful. Do they take the money when you get on the list? No. Do they probe to see if the money is there? Yes, but that doesn't insure the money will be there when the work is done, so the entire thing is hypothetical anyway.
Now I'll shut up and keep my attempts at help to myself. Rusty ____________________ Skype: rustyperez Yahoo and AIM: reliroo Check out my blog at http://rusty-perez.blogspot.com -----Original Message----- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of VIRGIE UNDERWOOD Sent: Wednesday, September 14, 2005 3:01 PM To: Braillenote List Subject: Re: [Braillenote] Transplant customers with debit cards BE WARE Hello, It is common practice for companies to preauthorize the sale. After all, they need to know that the money is available. All commercial companies follow this practice. Virgie Underwood ----- Original Message ----- From: "Jean Menzies" <[EMAIL PROTECTED]> To: "Braillenote List" <[email protected]> Sent: Wednesday, September 14, 2005 5:26 PM Subject: Re: [Braillenote] Transplant customers with debit cards BE WARE > Well, one of the concepts of using a debit card is that it's an instant > transaction without handling cash. Unlike a credit card that is billed > on a monthly basis. I don't think you should be surprised that money > was set aside out of your account when you used it. That's how those > cards typically work. I really don't think this is a Humanware issue, > but rather, a discussion of how a debit card works, and that's not BN > related. > > Jean > > > ----- Original Message ----- > From: "Rusty Perez" <[EMAIL PROTECTED]> > To: "'Braillenote List'" <[email protected]> > Sent: Wednesday, September 14, 2005 2:53 PM > Subject: RE: [Braillenote] Transplant customers with debit cards BE WARE > > >> Evelyn, >> My debit card has all of the protections of a credit card. It is a >> Master >> card with most of the priveleges that "membership" brings. My bank >> will >> persue any illegal or unwanted charges. In fact, they asked me if I >> wanted >> them to contest the Humanware charge. I told them I'd speak to >> Humanware >> first. >> The major difference is that the funds are drawn directly from my >> checking >> account. Advantages are that I don't have to carry much cash, I won't >> spend >> without having the money and I pay no interest. >> I like it this way. This is the first time I've had a problem like >> this. >> >> Rusty >> >> >> >> ____________________ >> Skype: rustyperez >> Yahoo and AIM: reliroo >> Check out my blog at >> http://rusty-perez.blogspot.com >> >> -----Original Message----- >> From: [EMAIL PROTECTED] >> [mailto:[EMAIL PROTECTED] On Behalf Of Evelyn >> Weckerly >> Sent: Wednesday, September 14, 2005 12:31 PM >> To: Braillenote List >> Subject: Re: [Braillenote] Transplant customers with debit cards BE >> WARE >> >> Hi, Rusty, >> >> That is an example of why I don't use debit cards. As a matter of >> fact, you >> have much more protection if you use a credit card--I mean, against >> theft >> and billing problems. >> >> Evelyn >> >> At 01:44 PM 9/14/05, you wrote: >>>Hi folks, at the risk of getting stomped on again, I want to make >>>those >>>who are considering an Mpower transplant aware. >>>If you use a debit card, be ware that Humanware's system will >> "preauthorize" >>>your card. As I understand it, a charge is done in two stages. The >>>request for the charge--to make sure the money is there--and then a >>>finalization of the charge--to request the funds. In my case, this >>>meant that they charged my debit card for nearly $2200--to see if I >>>had >>>enough money--but they didn't plan to "finalize" the charge. I wasn't >>>made aware of this; it could be that I did not tell them I was using a >> debit card. >>>My bank puts the funds on hold in preparation for the finalization. >>>Two >>>days after calling Humanware, I spoke to my bank and discovered that >>>my >>>checking account was $2000 overdrawn because of the Humanware >>>"preauthorization." I was surprised. Of course the funds will be in >>>place when Humanware does the work, but I didn't expect to need them >>>now. >>>After understanding the process, I wished that Humanware had explained >>>what might happen. >>> >>>So, if you are using a debit card, just be aware of this issue. >>> >>>Rusty >>> >>> >>>___ >>>To leave the BrailleNote list, send a blank message to >>>[EMAIL PROTECTED] >>>To view the list archives or change your preferences, visit >>>http://list.humanware.com/mailman/listinfo/braillenote >> >> >> >> >> ___ >> To leave the BrailleNote list, send a blank message to >> [EMAIL PROTECTED] >> To view the list archives or change your preferences, visit >> http://list.humanware.com/mailman/listinfo/braillenote >> >> >> ___ >> To leave the BrailleNote list, send a blank message to >> [EMAIL PROTECTED] >> To view the list archives or change your preferences, visit >> http://list.humanware.com/mailman/listinfo/braillenote >> >> > > > > ___ > To leave the BrailleNote list, send a blank message to > [EMAIL PROTECTED] > To view the list archives or change your preferences, visit > http://list.humanware.com/mailman/listinfo/braillenote > ___ To leave the BrailleNote list, send a blank message to [EMAIL PROTECTED] To view the list archives or change your preferences, visit http://list.humanware.com/mailman/listinfo/braillenote
