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  • FIRST POST
    • seven-day-weekend
    • By seven-day-weekend 20th Mar 17, 10:17 AM
    • 28,347Posts
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    seven-day-weekend
    Refund could have been paid into wrong Bank Account
    • #1
    • 20th Mar 17, 10:17 AM
    Refund could have been paid into wrong Bank Account 20th Mar 17 at 10:17 AM
    My husband is expecting a refund he is owed from returned goods. It has not appeared in his bank account and for various reasons he thinks it may have been paid into someone else's account by mistake.

    We have e-mailed the person who is refunding, and are waiting to hear from him regarding details of what bank account it went into.

    Meanwhile, what will happen if he has paid it into the wrong account? What are my husband's rights? Thanks.
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
Page 1
    • DCFC79
    • By DCFC79 20th Mar 17, 10:21 AM
    • 28,741 Posts
    • 18,148 Thanks
    DCFC79
    • #2
    • 20th Mar 17, 10:21 AM
    • #2
    • 20th Mar 17, 10:21 AM
    Surely its up to the sender to resolve it, your husbamd shouldnt be doing the running round for something that isn't his fault.
    Je Suis Charlie
    • TadleyBaggie
    • By TadleyBaggie 20th Mar 17, 10:24 AM
    • 2,163 Posts
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    TadleyBaggie
    • #3
    • 20th Mar 17, 10:24 AM
    • #3
    • 20th Mar 17, 10:24 AM
    I think knowing the "various reasons" may be helpful in getting a meaningful reply.
    • seven-day-weekend
    • By seven-day-weekend 20th Mar 17, 10:27 AM
    • 28,347 Posts
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    seven-day-weekend
    • #4
    • 20th Mar 17, 10:27 AM
    • #4
    • 20th Mar 17, 10:27 AM
    I think knowing the "various reasons" may be helpful in getting a meaningful reply.
    Originally posted by TadleyBaggie
    Mainly because it has not appeared in his account, and we were in the shop at the time the vendor was doing it online, so if it has not appeared, where is it? (date 9th March).
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
    • grumbler
    • By grumbler 20th Mar 17, 10:30 AM
    • 51,243 Posts
    • 21,653 Thanks
    grumbler
    • #5
    • 20th Mar 17, 10:30 AM
    • #5
    • 20th Mar 17, 10:30 AM
    ...he thinks it may have been paid into someone else's account by mistake.
    Originally posted by seven-day-weekend
    Unlikely.
    Refunds are done via cards, not by bank transfers, that excludes manual errors.
    We are born naked, wet and hungry...Then things get worse.

    .withdrawal, NOT withdrawel ..bear with me, NOT bare with me
    .definitely, NOT definately ......separate, NOT seperate
    should have, NOT should of
    .....guaranteed, NOT guarenteed
    • seven-day-weekend
    • By seven-day-weekend 20th Mar 17, 10:33 AM
    • 28,347 Posts
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    seven-day-weekend
    • #6
    • 20th Mar 17, 10:33 AM
    • #6
    • 20th Mar 17, 10:33 AM
    Unlikely.
    Refunds are done via cards, not by bank transfers, that excludes manual errors.
    Originally posted by grumbler
    He did it via a bank transfer.
    Last edited by seven-day-weekend; 20-03-2017 at 10:56 AM.
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
    • p00hsticks
    • By p00hsticks 20th Mar 17, 10:46 AM
    • 5,198 Posts
    • 4,666 Thanks
    p00hsticks
    • #7
    • 20th Mar 17, 10:46 AM
    • #7
    • 20th Mar 17, 10:46 AM
    He did it via a bank transfer.
    Originally posted by seven-day-weekend
    http://www.moneysavingexpert.com/banking/send-money-wrong-account

    what may affect the resolution is whether you inadvertently gave the wrong account details to the retailer, or gave them the correct ones which they then entered in wrong.

    Although in either case it's going to have to be the retailer who chases this up, as it's their account the money went out of, you have more chance of getting the retailer to re-send to the correct account in the interim if it was their error to begin with.
    • molerat
    • By molerat 20th Mar 17, 10:47 AM
    • 15,873 Posts
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    molerat
    • #8
    • 20th Mar 17, 10:47 AM
    • #8
    • 20th Mar 17, 10:47 AM
    Where did they get the account details from ?
    www.helpforheroes.org.uk/donations.html
    • seven-day-weekend
    • By seven-day-weekend 20th Mar 17, 10:50 AM
    • 28,347 Posts
    • 52,455 Thanks
    seven-day-weekend
    • #9
    • 20th Mar 17, 10:50 AM
    • #9
    • 20th Mar 17, 10:50 AM
    Where did they get the account details from ?
    Originally posted by molerat
    My husband gave them his debit card, and also a piece of paper with details written on correctly (I know this as we checked it together).
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
    • seven-day-weekend
    • By seven-day-weekend 20th Mar 17, 10:56 AM
    • 28,347 Posts
    • 52,455 Thanks
    seven-day-weekend
    Thanks, the link to the article was very helpful
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
    • Anthorn
    • By Anthorn 20th Mar 17, 11:58 AM
    • 2,973 Posts
    • 768 Thanks
    Anthorn
    My husband is expecting a refund he is owed from returned goods. It has not appeared in his bank account and for various reasons he thinks it may have been paid into someone else's account by mistake.

    We have e-mailed the person who is refunding, and are waiting to hear from him regarding details of what bank account it went into.

    Meanwhile, what will happen if he has paid it into the wrong account? What are my husband's rights? Thanks.
    Originally posted by seven-day-weekend
    If it was their fault they make it good. But that depends on whether it was reported to them in good time. Just wondering and doing nothing about it probably means you have not reported it in good time.

    If it's your fault by passing on to the payer the wrong bank details then it's a case of Caveat Emptor. The payer or the paying bank or the receiving bank might be able to help but don't count on it.
    I don't think and I know I don't think so therefore I am. At least I think so. But hold on I don't think ... er ...
    • eskbanker
    • By eskbanker 20th Mar 17, 12:08 PM
    • 3,991 Posts
    • 3,704 Thanks
    eskbanker
    Mainly because it has not appeared in his account, and we were in the shop at the time the vendor was doing it online, so if it has not appeared, where is it? (date 9th March).
    Originally posted by seven-day-weekend
    He did it via a bank transfer.
    Originally posted by seven-day-weekend
    Puzzled by this - if this was a face-to-face transaction in a bricks and mortar shop, presumably paid by debit card, why would the retailer not simply process a refund straight to the card by Chip & PIN, giving a confirmed refund receipt to the customer?

    If all else fails you may ultimately be able to process it as a chargeback if paid by debit card in the first place (and without any evidence of the transaction being refunded), assuming the goods were faulty in some way.
    • seven-day-weekend
    • By seven-day-weekend 20th Mar 17, 1:37 PM
    • 28,347 Posts
    • 52,455 Thanks
    seven-day-weekend
    Puzzled by this - if this was a face-to-face transaction in a bricks and mortar shop, presumably paid by debit card, why would the retailer not simply process a refund straight to the card by Chip & PIN, giving a confirmed refund receipt to the customer?

    If all else fails you may ultimately be able to process it as a chargeback if paid by debit card in the first place (and without any evidence of the transaction being refunded), assuming the goods were faulty in some way.
    Originally posted by eskbanker
    Basically because he is not much of a businessman and didn't know how to do a refund other than by using his installed software. Apart from the deposit, my husband had it on interest-free credit.


    There was nothing wrong with the goods. It was a guitar that the seller said we could exchange within a certain time, this we did and the replacement was cheaper than the original.
    Last edited by seven-day-weekend; 20-03-2017 at 1:50 PM.
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
    • agrinnall
    • By agrinnall 20th Mar 17, 2:53 PM
    • 17,034 Posts
    • 12,723 Thanks
    agrinnall
    So where did the seller get the wrong bank account details from?
    • PeacefulWaters
    • By PeacefulWaters 20th Mar 17, 3:07 PM
    • 5,876 Posts
    • 7,086 Thanks
    PeacefulWaters
    So where did the seller get the wrong bank account details from?
    Originally posted by agrinnall
    Typo? Perhaps.
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