This has happened to me 2 or 3 times now over the course of a couple of years: I've paid a bill using UBS e-banking, yet the payment hasn't been executed despite having sufficient balance.
The first time it happened, I wondered if I'd failed to click the Submit button and hence it was operator error. As a result, ever since, I make very sure I've clicked Submit for every payment. On this latest occasion, the non-execution has cost me CHF 55 in reminder fees, CHF 55 I can very ill afford.
UBS would have been perfectly happy to refund this if the payment were listed in pending orders or non-executed order - but it's not. It's simply disappeared into the ether.
The bill is in my file with the payment date on it, and it doesn't get filed and dated until I've paid it, but I have no other proof. Creditor of course says, you didn't pay hence reminder fees. UBS of course say they're 100% sure there no glitch in the system. And yet a payment I know damn well I made, simply hasn't been executed.
(Oh and don't get me started on the creditor's customer "service" guy that wouldn't listen and finally hung up on me)
I was wondering if anyone else has experienced the same? If I can get some anecdotal evidence together that there is a glitch, I might have a bit more leverage. I really don't want to have to print out a copy of every payment I make, just in case - sort of defeats the object of e-Banking.
It was. But it didn't occur to me to print off the page - why should I need to?
I too have used UBS e-Banking for 12+ years, it's just the last couple of years I've experienced these glitches. As I said, my immediate assumption was operator error so I now absolutely double check that I get the confirmation page and check the pending orders. I suppose I now need to print off everything and double check that the payment has actually gone when it's meant to. Complete PITA - it's supposed to make life easier not harder!
Had it once but realized afterwards that it was because I had to click the ok-button twice when confirming the payment and was too quick in jumping to another screen.
Since, I always check indeed if the payment is in my pending orders and haven't had an issue since.
Because it's your only record of what you did at that exact time. You don't have to print a paper copy. You can save it as a PDF. Then you have all the details in one place and it is far easier for you to get things corrected later if necessary. If this is happening often, and costing you 55 CHF per incident, I'd say it's worth the extra few moments to save a copy of the page.