Charging me for third party mistake.

<p>Recently, I went to purchase at Guess store in Access park Kenilworth. My purchase was for R699 and I swear I had enough money for the purchase. The transaction date was on the 31 May 2016 and the transaction went through and I proceeded with my shopping. After transferring all my money to my investment account it came to my attention that my Nedbank balance is -R608 and as I was surprised I had to went through my mini statement, and it reflected that its a purchase at Guess processed on 01 June 2016. On the 3rd of June Nedbank went on to charge me additional R90. I called them but they say we had to honor the transaction since the Merchant did not deduct same day.</p> <p>My question is why did the merchant didn't deduct same day?</p> <p>Who's fault is that?</p> <p>Why charge me for their mistake?</p> <p>I honestly don't have a problem with paying R699 but its quite unfair to be charged additional 90 rands for either merchant or Nedbank's mistake.</p> <p> </p> <p>Imagine going to a restaurant to eat with an impression that I have enough funds and realise after eating that actually purchase done 5 days ago was only processed 5 minutes before I pay my bill and now my balance on account is -R90</p>