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oyster overdraft?



 
 
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  #1  
Old March 11th 08, 10:50 AM posted to uk.transport.london
MarkVarley - MVP
external usenet poster
 
Posts: 118
Default oyster overdraft?

I vaguely recall reading somewhere about PAYG oyster cards not
freaking out if you overspend, like an overdraft kind of setup, is my
shakey memory correct?

Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we get
back on track (no pun intended).

Can anyone who has their head around PAYG oysters and their systems
let me know how things stand for travelling with less than zero credit
and anything else relevant to our situation?

Took a month off working due to illness and things have gone to the
perverbial wall.


--
Mark.
www.MarkVarleyPhoto.co.uk
www.TwistedPhotography.co.uk
www.TwistedArts.co.uk
www.BeautifulBondage.net

  #2  
Old March 11th 08, 11:52 AM posted to uk.transport.london
Adrian
external usenet poster
 
Posts: 947
Default oyster overdraft?

MarkVarley - MVP (MarkVarley - MVP ) gurgled
happily, sounding much like they were saying:

Can anyone who has their head around PAYG oysters and their systems let
me know how things stand for travelling with less than zero credit and
anything else relevant to our situation?


Yes, it'll go into overdraft, but not by much - only by about a fiver or
so.
  #3  
Old March 11th 08, 11:58 AM posted to uk.transport.london
Mr Thant
external usenet poster
 
Posts: 973
Default oyster overdraft?

On 11 Mar, 11:50, MarkVarley - MVP
wrote:
Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we get
back on track (no pun intended).


What happens when an auto top-up fails? The credit must have already
happened, so do they have a way of withdrawing it?

Can anyone who has their head around PAYG oysters and their systems
let me know how things stand for travelling with less than zero credit
and anything else relevant to our situation?


If you're using PAYG you have to have at least the minimum fare (1.50
or 1) to be let in. If your journey ends up costing more than the
minimum fare, I think you are allowed out, giving you a negative
balance, which you have to clear before you can use the card again. So
there's no ongoing overdraft.

U

--
http://londonconnections.blogspot.com/
A blog about transport projects in London
  #4  
Old March 11th 08, 12:04 PM posted to uk.transport.london
external usenet poster
 
Posts: 69
Default oyster overdraft?

On Mar 11, 11:50 am, MarkVarley - MVP
wrote:
I vaguely recall reading somewhere about PAYG oyster cards not
freaking out if you overspend, like an overdraft kind of setup, is my
shakey memory correct?

Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we get
back on track (no pun intended).

Can anyone who has their head around PAYG oysters and their systems
let me know how things stand for travelling with less than zero credit
and anything else relevant to our situation?

Took a month off working due to illness and things have gone to the
perverbial wall.

You can go overdrawn if your journey cost is greater than the balance
on the card. But you can't enter a station if your balance is less
than the minimum fare from that station.

If you have a season ticket it won't let you enter the barriers if
your balance is negative even if you are only making a journey on the
season ticket. (I'm not quite sure what the situation would be if you
make a journey starting at an ungated station where you don't have to
touch in if you've got a season ticket.)

If you're only using PAYG then it's quite hard to go more overdrawn
than the deposit you paid to get the card.

Tim.
  #5  
Old March 11th 08, 01:43 PM posted to uk.transport.london
Richard J.[_2_]
external usenet poster
 
Posts: 278
Default oyster overdraft?

Mr Thant wrote:
On 11 Mar, 11:50, MarkVarley - MVP
wrote:
Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we
get back on track (no pun intended).


What happens when an auto top-up fails? The credit must have already
happened, so do they have a way of withdrawing it?


They block your use of the card if you don't sort out the failed payment
within 3 days. This happened to me in 2006 when an auto top-up happened the
day after the nominated credit card was blocked by the card issuer because
they thought it might have ben cloned. I received this mail from TfL
(actually from Keith Prowse on their behalf):

"The cash balance on your Oyster card number nnnnnnnnnnnn fell below
GBP5.00. It was topped up with GBP20.00 at Hyde Park Corner station on
11/07/2006.

Unfortunately we were unable to charge your credit or debit card ending in
xxxx for this amount.

You need to pay the outstanding balance now against top-up number
yyyyyyyyyy. Please go to www.tfl.gov.uk/oyster and select 'Oyster online
shop' from the left hand menu to log in. Then follow the screen prompts to
manage your failed payment. Alternatively call our Oyster Helpline on 0845
330 9876 to arrange payment.

If you do not make this payment within 3 days your Oyster card will be
stopped."

--
Richard J.
(to email me, swap 'uk' and 'yon' in address)




  #6  
Old March 11th 08, 03:28 PM posted to uk.transport.london
tim \(not at home\)
external usenet poster
 
Posts: 39
Default oyster overdraft?


wrote in message
...
On Mar 11, 11:50 am, MarkVarley - MVP
wrote:
I vaguely recall reading somewhere about PAYG oyster cards not
freaking out if you overspend, like an overdraft kind of setup, is my
shakey memory correct?

Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we get
back on track (no pun intended).

Can anyone who has their head around PAYG oysters and their systems
let me know how things stand for travelling with less than zero credit
and anything else relevant to our situation?

Took a month off working due to illness and things have gone to the
perverbial wall.

You can go overdrawn if your journey cost is greater than the balance
on the card. But you can't enter a station if your balance is less
than the minimum fare from that station.

If you have a season ticket it won't let you enter the barriers if
your balance is negative even if you are only making a journey on the
season ticket. (I'm not quite sure what the situation would be if you
make a journey starting at an ungated station where you don't have to
touch in if you've got a season ticket.)

If you're only using PAYG then it's quite hard to go more overdrawn
than the deposit you paid to get the card.

-----------------------------------------------------------

unless you got a free card

tim



  #7  
Old March 11th 08, 06:59 PM posted to uk.transport.london
MarkVarley - MVP
external usenet poster
 
Posts: 118
Default oyster overdraft?

On Tue, 11 Mar 2008 17:28:34 +0100, "tim \(not at home\)"
wrote this gibberish:


wrote in message
...
On Mar 11, 11:50 am, MarkVarley - MVP
wrote:
I vaguely recall reading somewhere about PAYG oyster cards not
freaking out if you overspend, like an overdraft kind of setup, is my
shakey memory correct?

Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we get
back on track (no pun intended).

Can anyone who has their head around PAYG oysters and their systems
let me know how things stand for travelling with less than zero credit
and anything else relevant to our situation?

Took a month off working due to illness and things have gone to the
perverbial wall.

You can go overdrawn if your journey cost is greater than the balance
on the card. But you can't enter a station if your balance is less
than the minimum fare from that station.

If you have a season ticket it won't let you enter the barriers if
your balance is negative even if you are only making a journey on the
season ticket. (I'm not quite sure what the situation would be if you
make a journey starting at an ungated station where you don't have to
touch in if you've got a season ticket.)

If you're only using PAYG then it's quite hard to go more overdrawn
than the deposit you paid to get the card.

-----------------------------------------------------------

unless you got a free card

tim


Thats a fair and obvious point, the purpose of the deposit surely.

Thanks all for the replies, as long as there is enough on the card or
overdraft or some such that we can get back from a job that ought to
be enough, last thing we want is to be on the opposite side of london
at 2am in the rain after a long day with a dud card and no cash.

--
Mark.
www.MarkVarleyPhoto.co.uk
www.TwistedPhotography.co.uk
www.TwistedArts.co.uk
www.BeautifulBondage.net

  #8  
Old March 13th 08, 09:55 AM posted to uk.transport.london
MIG
external usenet poster
 
Posts: 3,154
Default oyster overdraft?

On 11 Mar, 12:58, Mr Thant
wrote:
On 11 Mar, 11:50, MarkVarley - MVP
wrote:

Cashflow is a bit tight right now and our oysters usually auto-topup
weekly with 20, the last one failed but I've just been able to clear
it however it's quite possible some future ones will fail until we get
back on track (no pun intended).


What happens when an auto top-up fails? The credit must have already
happened, so do they have a way of withdrawing it?

Can anyone who has their head around PAYG oysters and their systems
let me know how things stand for travelling with less than zero credit
and anything else relevant to our situation?


If you're using PAYG you have to have at least the minimum fare (1.50
or 1) to be let in. If your journey ends up costing more than the
minimum fare, I think you are allowed out, giving you a negative
balance, which you have to clear before you can use the card again. So
there's no ongoing overdraft.


Does this apply when your journeys are already capped?

If so, it's effectively an additional 1.50 deposit.
  #9  
Old March 13th 08, 10:23 AM posted to uk.transport.london
Mr Thant
external usenet poster
 
Posts: 973
Default oyster overdraft?

On 13 Mar, 10:55, MIG wrote:
If so, it's effectively an additional 1.50 deposit.


If you've reached the cap the minimum fare should be zero, so you
don't need any extra funds.

U

--

http://londonconnections.blogspot.com/
A blog about transport projects in London
 




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