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  • FIRST POST
    • HoboUK
    • By HoboUK 13th Nov 17, 11:34 PM
    • 6Posts
    • 1Thanks
    HoboUK
    Potential double payment
    • #1
    • 13th Nov 17, 11:34 PM
    Potential double payment 13th Nov 17 at 11:34 PM
    Last month my wife and I had a claim upheld on am overdraft account. This wasn't the account wee had originally claimed on but the bank (RBS) appeared to go through all the finance we had ever had after we initially made the claim online as wee wee issued multiple ppi reference numbers. We accepted the offer and received the payment a few days later.

    Fast forward to today and we received another offer for a similar amount ( it was like £8 more than last time) and the same OD number was listed. This immediately raised red flags so i called the RBS PPI number sms explained the situation.

    The lady on phone said that although they were both listed for the same overdraft account , one reference was listed as from 2003 and the one I received today was from 2000 so as far as she could see they were both legit. I asked if she believed it was ok to go ahead sms accept this 2nd offer and she said yes.

    Where would this leave me in the case of a mistaken 2nd payment given I've called the bank seeking clarification and been given this information today ?
Page 1
    • Moneyineptitude
    • By Moneyineptitude 13th Nov 17, 11:50 PM
    • 18,711 Posts
    • 9,970 Thanks
    Moneyineptitude
    • #2
    • 13th Nov 17, 11:50 PM
    • #2
    • 13th Nov 17, 11:50 PM
    If the Bank has made an error then they will want the money back.

    By all means accept the offer, but I wouldn't spend it until you have written confirmation that it isn't a mistake.
    • HoboUK
    • By HoboUK 14th Nov 17, 5:44 PM
    • 6 Posts
    • 1 Thanks
    HoboUK
    • #3
    • 14th Nov 17, 5:44 PM
    • #3
    • 14th Nov 17, 5:44 PM
    I called them again today and a different person again said that as far as he could see the were for a different period though for the same account.

    It's a different reference number than the origins letter so I dunno. The calls are recorded and I've logged the dates and times. Them just taking nearly £2000 out of our account a few months down the line would put us in a really bad position.
    • Moneyineptitude
    • By Moneyineptitude 14th Nov 17, 5:46 PM
    • 18,711 Posts
    • 9,970 Thanks
    Moneyineptitude
    • #4
    • 14th Nov 17, 5:46 PM
    • #4
    • 14th Nov 17, 5:46 PM
    Them just taking nearly £2000 out of our account a few months down the line would put us in a really bad position.
    Originally posted by HoboUK
    So get written confirmation that it's not an error; it should not take more than a few days.

    Worth it for piece of mind I think.
    • McKneff
    • By McKneff 14th Nov 17, 6:01 PM
    • 35,639 Posts
    • 45,878 Thanks
    McKneff
    • #5
    • 14th Nov 17, 6:01 PM
    • #5
    • 14th Nov 17, 6:01 PM
    Accept it and put it in a separate account and leave it there.

    You wont miss what you never had if they decide they want it back
    No one can make you feel inferior without your consent
    • HoboUK
    • By HoboUK 14th Nov 17, 6:45 PM
    • 6 Posts
    • 1 Thanks
    HoboUK
    • #6
    • 14th Nov 17, 6:45 PM
    • #6
    • 14th Nov 17, 6:45 PM
    I've just phoned them again. They are going to escalate it to their customer service department and send out a letter acknowledging I've phoned asking twice for confirmation and that they believe the offer to be correct.

    Only down side is he said the CS department hane 15 days to respond to his request.
    • Moneyineptitude
    • By Moneyineptitude 14th Nov 17, 6:55 PM
    • 18,711 Posts
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    Moneyineptitude
    • #7
    • 14th Nov 17, 6:55 PM
    • #7
    • 14th Nov 17, 6:55 PM
    I'm sure you can delay spending your unexpected windfall for a fortnight...
    • HoboUK
    • By HoboUK 14th Nov 17, 7:17 PM
    • 6 Posts
    • 1 Thanks
    HoboUK
    • #8
    • 14th Nov 17, 7:17 PM
    • #8
    • 14th Nov 17, 7:17 PM
    ��possibly.....

    Knowing RBS customer services I'll be lucky if the letter ever arrives.
    • Moneyineptitude
    • By Moneyineptitude 14th Nov 17, 8:09 PM
    • 18,711 Posts
    • 9,970 Thanks
    Moneyineptitude
    • #9
    • 14th Nov 17, 8:09 PM
    • #9
    • 14th Nov 17, 8:09 PM

    Knowing RBS customer services I'll be lucky if the letter ever arrives.
    Originally posted by HoboUK
    Or your refund cheque!
    • Jenniferjuniper
    • By Jenniferjuniper 15th Nov 17, 11:52 AM
    • 1 Posts
    • 0 Thanks
    Jenniferjuniper
    Hi there ( Iím new )
    Iím not sure what to do - I received a call form my bank ( RBS ) asking how much I ( self) deposited on Friday , I counted out £660 put the cash in the envelope wrote on the envelope £660 with my account details. The bank are now saying I posted £560 !!! I donít have a lot of money, £660 is a lot for my to post at one time , so I definitely know that was the amount . What do I do if the bank try to deduct £100 from me ????? Iím waiting on a call from the manager.
    • Moneyineptitude
    • By Moneyineptitude 15th Nov 17, 12:48 PM
    • 18,711 Posts
    • 9,970 Thanks
    Moneyineptitude
    I. What do I do if the bank try to deduct £100 from me ????? I’m waiting on a call from the manager.
    Originally posted by Jenniferjuniper
    £660 is a lot of money to self-deposit at an ATM. Why didn't you take it to the counter? This is the kind of comment you will get from the Bank.

    You can be sure that several bank staff will have double checked this amount prior to it being reported as a discrepancy.

    Are you certain you haven't put the other £100 elsewhere?

    How did you come to have such a relatively large amount in cash?
    • Vectis
    • By Vectis 17th Nov 17, 2:04 PM
    • 462 Posts
    • 565 Thanks
    Vectis
    Iím not sure what to do - I received a call form my bank ( RBS ) asking how much I ( self) deposited on Friday , I counted out £660 put the cash in the envelope wrote on the envelope £660 with my account details. The bank are now saying I posted £560 !!! I donít have a lot of money, £660 is a lot for my to post at one time , so I definitely know that was the amount . What do I do if the bank try to deduct £100 from me ????? Iím waiting on a call from the manager.
    Originally posted by Jenniferjuniper

    This is probably in the wrong forum section anyway, but...

    What evidence have you that you deposited £660 and not £560? I would imagine all the evidence would be on the Bank's side, that you only deposited £560. I'd guess the banks have stringent checks on cash deposits, possibly cctv overlooking the clerks doing the counting.

    Where did the £660 come from? Why use an ATM to pay in that much? Was there anyone with you?

    I would be amazed if the bank had miscounted the money and not double checked before calling you.
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