I used online chat to speak to PN - which was easy, but fruitless, as they had no details of why the payment failed. They could only suggest it may have been some sort of random spot-check. The agent confessed that he himself had had something similar recently - didn't seem to be any reason behind it. I suppose a bit like going through "green" at customs - you probably won't get stopped, but they'll have a certain quota for random checks.
Have a "secure message", aka "ticket" logged with the card issuer - still haven't heard back. They said "up to" 72 hours, but I don't know if that's only counting "normal" business hours, or weekends too. They didn't have online chat, disappointingly - I'm finding that far and away the easiest way to sort things, where available.
No queues - or at least, where there are, you can carry on doing whatever you were doing at the computer - such as spamming The Park, no premium rate Nos. for listening to a recorded message saying: "You call is important to us", no language barriers (and I don't just mean foreign - to me, Glaswegian is a language barrier!)



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