It’s the not working, but also taking the money, and then refusing to give it back that I’m finding annoying.
Just not working would be fine, in comparison.
The money is probably just ring-fenced, like when you pay for an online purchase but the money actually only leaves your account when the parcel is shipped. It's not any less annoying but it can and does happen with any debit card.
@Lolo started
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It’s the not working, but also taking the money, and then refusing to give it back that I’m finding annoying.
Just not working would be fine, in comparison.