Thank you Plaync for ignoring me!
By
3dent,
Posted on: 2009-02-24 13:55 in CoH and CoV General Discussions
It has been 6 full working days since you made the payment, which is still within the "several working days" that you were quoted.
Depending on how you make the payment, which bank you use and where you live, it can take some time before the payment is cleared into the NCsoft account and can be verified. Support cannot re-open your account until they have the payment verified.
I live in the UK, plaync provided me with a Natwest account to pay the monies into, I paid cash directly at my local Natwest branch, so your saying it takes over 6 days to receive a cash payment made directly into an account to show up on their system?
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I live in the UK, plaync provided me with a Natwest account to pay the monies into, I paid cash directly at my local Natwest branch, so your saying it takes over 6 days to receive a cash payment made directly into an account to show up on their system?
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I'm saying that there are factors beyond simple "I made the payment on X date", of which I listed a few (but not all). Since I don't have access to the details of your payment, I did not comment on it specifically.
I assume they gave you some kind of reference to quote with the payment so that they could allocate it to you account?
global @Mediscales2
MA 1st mission "Missing persons" please try and rate 22.03.09.
Once they have recieved the payment, the case also has to go through the griind of getting through the administration at "nc" then to the actual people that handle the accounts. Normally I'd say 3 days for the bank and another 3-5 days for the company to process your payment. If the company uses another company to handle their book keeping etc it'll take another 2-3 days and knowing what company we're talking about here I'd say you can probably count on up to 20 days.
Now... It could be worse, they could've deleted your account or just stolen your money, so be happy. It's a corporate world! 
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I live in the UK, plaync provided me with a Natwest account to pay the monies into, I paid cash directly at my local Natwest branch, so your saying it takes over 6 days to receive a cash payment made directly into an account to show up on their system?
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I'm saying that there are factors beyond simple "I made the payment on X date", of which I listed a few (but not all). Since I don't have access to the details of your payment, I did not comment on it specifically.
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So having read the fact he paid cash, and into the same bank you bank with, what factors could lead to this delay then?
Apart from the obvious one, that someone else in another thread had, that was that no one could be arsed to actually check it had been paid.
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Once they have recieved the payment, the case also has to go through the griind of getting through the administration at "nc" then to the actual people that handle the accounts. Normally I'd say 3 days for the bank and another 3-5 days for the company to process your payment. If the company uses another company to handle their book keeping etc it'll take another 2-3 days and knowing what company we're talking about here I'd say you can probably count on up to 20 days.
Now... It could be worse, they could've deleted your account or just stolen your money, so be happy. It's a corporate world!
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If it was cash, and paid in to the same bank these people use, ie Natwest, the transaction is instant, there is no delay at the banks end, the funds would be available to NC there and then.
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I live in the UK, plaync provided me with a Natwest account to pay the monies into, I paid cash directly at my local Natwest branch, so your saying it takes over 6 days to receive a cash payment made directly into an account to show up on their system?
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Yep, my dad used to work for Natwest. They are sloooow in clearing that kind of transaction.
I really should do something about this signature.
Sorry but i have a natwest account and i know for a fact that once you pay cash into your account it is there right away.
There is no waiting for cash to go through any kind of system.
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I live in the UK, plaync provided me with a Natwest account to pay the monies into, I paid cash directly at my local Natwest branch, so your saying it takes over 6 days to receive a cash payment made directly into an account to show up on their system?
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Yep, my dad used to work for Natwest. They are sloooow in clearing that kind of transaction.
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Where is the sloooow in instant?
The second the cashier hits enter at his branch, the money is in NC's account if its cash.
You might think it would work like that, but it doesn't. It all has to go through the clearing process.
I have here a credit card bill, and I quote, from the section entitled "pay in cash at any bank or building society": "Please allow up to 5 working days for payment to be credited to your account".
Instant it certainly aint.
I really should do something about this signature.
The UK bank's are currently working on a payments scheme called Faster Payments - it's clunky - there's a lot of processes which are only designed to run in batch overnight (multiple nights) being changed into real-time transactions.
It's not easy to change, but we're trying (I'm currently working on my organisation's Faster Payments changes). If you thought a financial transaction was a simple thing, then a week working on my project would certainly change your mind! (Or cause your head to explode, yes, that explains the number of contractors we've been through... 
)
"Idealism is such a wonderful thing. All you really need is someone rational to put it to proper use." - Kerr Avon
Myopic Aardvark on Twitter
I have paid money into my sons bank account 100s of times, literally, and as long as its paid in cash, at my local branch of the bank he uses, it is available to him straight away at any ATM.
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You might think it would work like that, but it doesn't. It all has to go through the clearing process.
I have here a credit card bill, and I quote, from the section entitled "pay in cash at any bank or building society": "Please allow up to 5 working days for payment to be credited to your account".
Instant it certainly aint.
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That is your credit card company causing that delay, not the bank transfer system. Also this guy aint paid it at any bank or building society, he has paid it at NatWest, had he not done that im sure it would take longer, but same bank cash transfers dont take days. Or havent in my experience.
If they could be bothered it would take NC 5 minutes to verify that money was in their account.
Edit 2, iv just had a look at our business accounts and there are a couple of credits applied on the same day as deposit.
I'm sorry, but you know nothing about banking. Myopic has given you an accurate discription of how the system currently works. It's still a holdover from the days before computers.
As for paying money into your Son's acount, yes it appears imediately, but until the payment is confirmed though the clearing process, it could disapear just as imediately. Cash is treated exactly the same way as cheques in this respect.
And my credit card company also happens to be my bank, which happens to be Natwest.
I really should do something about this signature.
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As for paying money into your Son's acount, yes it appears imediately, but until the payment is confirmed though the clearing process, it could disapear just as imediately. Cash is treated exactly the same way as cheques in this respect.
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It shows up immediatly and is available immediatly if its cash, if its a cheque deposit it takes time to clear, they are not the same thing.
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And my credit card company also happens to be my bank, which happens to be Natwest.
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And its your credit card company that tell you its 5 days to be credited to your account, not the bank.
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Sorry but i have a natwest account and i know for a fact that once you pay cash into your account it is there right away.
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You paying to someone else's account is different though. Transaction clearing is quite arcane thing, especially with something like NCsoft, a multinational company dealing with lots and lots of small credit card and cash and wire payments... So I'm not really surprised by such a delay, but it's definitely on the slow end and might be some problem with either bank or NC.
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There is no waiting for cash to go through any kind of system.
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There might be, because the moment you gave it to bank it stops "beinng cash", it's a wire transfer now. Although it all depends on how exactly things are handled by both bank and NC.
Regardless of how long it takes a cash payment to a bank account to clear (personally, mine has never been immediately available - the shortest amount of time I've had to wait has been 24 hours, the longest a week or so (especially if I make a payment on a Wednesday for reasons unknown to me)), the OP has a history of not making payments - this would cause his bank and NCsoft's to be cautious.
I've spent years working with Bank's clearing processes and I still don't fully understand them.
Our current bank end system still has bits left over from the late 70s that are still required for payments to go through and still require manual intervention.
Internal cash payments in a bank branch will result in payment to accounts in that branch almost instantly (could be 30 seconds, could be two hours).
There will be regulations coming into force over the next 3 years that make it mandatory for payments to go instantly. But right now, my bank, along with all the other UK banks and the EU banks are still arguing those regulations out with our respective FSA's.
This is one of those cases where it simply isn't as simple as it appears. The fact that it does appear simple to an outside party is probably a sign that we are doing our jobs right. But it's a mess behind the scenes.
"Idealism is such a wonderful thing. All you really need is someone rational to put it to proper use." - Kerr Avon
Myopic Aardvark on Twitter
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I've spent years working with Bank's clearing processes and I still don't fully understand them.
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So all banking problems are your fault?
@Golden Girl
City of Heroes comics and artwork
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If I pay cash into my account, when can I access it?
If you pay cash into any NatWest branch in the UK before 3.30pm on a working weekday, you'll normally be able to access it the same day.
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From the NatWest web site.
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If I pay cash into my account, when can I access it?
If you pay cash into any NatWest branch in the UK before 3.30pm on a working weekday, you'll normally be able to access it the same day.
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From the NatWest web site.
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Next Day Delivery works in a similar way. Order before midday on a weekday, and you should receive your items in the morning post. Order after 12pm, and it's most likely to be the next-but-one day. Order at anytime on a Saturday and don't receive your items until Monday.
And all sorts of things can affect this.
Bahh i dont even know why im arguing about this, i hope the fella gets his account back quick. Apologies all. 
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Bahh i dont even know why im arguing about this, i hope the fella gets his account back quick. Apologies all.
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Because no internet forum would be even remotely interesting without a clash of opinion/fact etc. 
So after playing the game for nearly 2 1/2 years and paying over £200 I feel like I have been brushed aside and completely ignored or maybe I'm just being impatient, you can decide for yourselves after reading this.
A few months back there was a problem with my card and a charge-back of payment was placed on my account, now I had received an email about this but I had not been checking my emails, completely my fault, as this lead to my account being banned, this would not have been the case if I had just checked my emails in time. Subsequently my account was banned and I have been unable to play COH/V since.
But since then I have been trying to get my account reopened I emailed plaync at the time asking them what I could do to fix this and have my old account back and had a prompt reply stating
"In order to repay your chargeback of the transaction regarding your subscription for 11th of August 2008 we would like you to transfer the following amount:
Subscription for City of Heroes 11/08/2008 £23.99
Charge back + admin fee £12.00
Total £35.99
To the following bank account:......." This was in December
I could not do this ASAP but was informed I could make the payment at anytime. With it now being February and me having the funds available to sort this I asked plaync again and again I got a prompt reply stating the above, I just wanted to be 100% that my account would still be reopened and there was no problems as it is now February. Subsequently I went into a local bank and transferred the funds to their bank account and I paid cash, that was done on the 13th February. Now here's the problem I contacted plaync as to what I was doing and received this from them,
"Once you have transferred the requested amount to us, it will be several working days before we receive the payment and are able to reopen your account. As soon as we do receive the payment, we will contact you again to let you know. In the meantime, we thank you for your patience."
It is now the 24th February, I have asked plaync if there is any progress on this matter only to receive the above statement! It was like they copied and pasted their response and now their just not replying to me at all!!! I have paid the £35 and they can't even tell me if they've received it the only form of proof that I had made a payment is a receipt I received from the cashier at the bank. SURELY it has now been several working days and seeing as I paid cash at the bank they should have received the money owed and now after no response from them am I being too impatient? or do I have a right to be annoyed? I know I'm just very frustrated at the moment, is this how they treat a long time customer!