Some transactions seem to go straight to confirmed, others spend a while as pending.
Currently I have the situation where I want to clear my energy account balance as I am switching, and my card payment on Saturday failed, according to the Scottish Power website at the time. Yet it is still listed in my Starling app as pending.
Starling say they can’t do anything (like claim a chargeback) until it’s confirmed. Scottish Power say they can’t see the payment on their system. I have absolutely no idea when it is going to either be reversed (presumably) or even confirmed (others on here have said that they’ve seen transactions declined like this on the website then end up confirmed).
If it gets reversed, no problem I’ll do a bank transfer instead. But obviously I don’t want to do that if it then ends up getting confirmed after all!
It appears I have no option other than wait, and in the meantime I’m out of pocket. That can’t be right, surely!