£2000 Has been added to my account

BenL

If abbey realise they have made a mistake and the money is theirs they will write to you and give you notice they are debittng the amount on a certain day.

If you have spent the money they will likely aim for your payday when the balance is at the highest before your mortgage payment and/or loans are taken out.

If the money has been put in by another company/bank, they or their bank will write to abbey and abbey will write to you requesting the return of the money.

In this instance I don't think abbey can just go in and take the money on a certain date, you have to agree to it and send a form/agreement letter back for them to debit the funds.

It is a "mistake of fact" and legally you should return the money, however as it is not abbeys money they are less bothered and have done what little they can do and requested you return the funds.


If you look at it the other way round, you make a bill payment or a standing order to a person but it goes to incorrect details which just happen to be a correct bank account you would get your bank to write to the bank requesting the return of the money. The receiving bank would forward the request to their customer to agree to return it.

If the payment was setup over the phone and is an error by the advisor e.g you gave correct details but they typed it wrong you are highly likely to get the money straight away from your bank.

If you set the payment up on the internet yourself or gave the telephone advisor the incorrect details you stand a chance of being out of pocket.


We might even get a newbie poster on here in a day or so asking how do they get their £2000 back that they sent to incorrect details over internet banking. lol

natman

Thanks for the posts guys, and yeah i think i am being patient, i am trying to sort it out in a decent way, as like the last post states someone may be out of pocket and have lost £2000, but its been over three weeks now, and i have been doing all the running around...............................

I like the police idea a lot, but yeah could you actually trust them..........................

I am a big one for karma - what goes around comes around, so i dont want the 'GREED' bug to get at me so i spend it all.....................

I will keep udating though guys, but any more thoughts are appreciated!!!! at least this month i will have made - £10.00 in interest with the money so thats a positive way of looking at it................

And in answer to another question is it an interest payment - I WISH................... TO get £2000 in interest.................NICE!!!!

Jaybee24uk

I paid £3 in my Halifax years ago, as I needed it to pay a bill with my card.

I was credited £300! Nothing has happened since, makes up for some of my bank charges!

Extant

Jaybee24uk wrote: »

I paid £3 in my Halifax years ago, as I needed it to pay a bill with my card.

I was credited £300! Nothing has happened since, makes up for some of my bank charges!

That's a sloppy cashier who can't find a £297 difference. Or divide by 9.

Jaybee24uk

Thinking about it now, maybe someone got sacked as I never said anything.

It was about 8 years ago though.

Richard019

natman wrote: »

I suppose my Abbey account pays A NICE 8% on sums over £2500

Don't you mean it pays 8% on sums up to £2.5k and anything over that is at 2.5% (ie for £3k you get £2.5k at 8% and £500 at 2.5%). If not, which account have you got and how's your interest work as it seems better than mine with them where I've got that and an e-saver for the surplus each month? (Despite their reputation it might be worth having as a side account that's relatively inactive)

In terms of what to do with the money, if you've got letters that are showing you've made reasonable efforts to sort the problem feel free to put the money into savings, just make sure you can get it back quickly when they work out where it's meant to be. They should give you notice they're going to take it out, and they can't say you're trying to steal it if it's available and you can show you were the one that raised the query in the first place.

ShelfStacker_3

BarclaysManager: If the £3 was deposited with just a card or account number, there'd be little to no record that the poster hadn't actually deposited £300, so the £297 short would be damn near untraceable. Which, for the record, is why HSBC insist on paper paying in slips...

Extant

ShelfStacker wrote: »

BarclaysManager: If the £3 was deposited with just a card or account number, there'd be little to no record that the poster hadn't actually deposited £300, so the £297 short would be damn near untraceable. Which, for the record, is why HSBC insist on paper paying in slips...

Yes yes, I know your extraordinary love for paying in slips. ;P

There is memory and audit, though! And an onscreen breakdown for the less experienced cashiers.

asandwhen

My wife checked her bank one day and it was approx £116,000 in credit - she called the bank and they told her it had been paid in by her employer. She contacted her employer and they stated they hadn't paid any money to her.

After a few days she had a phone call back from her work saying that they had infact paid her her SORT code instead of the £50 expenses she was claiming for.

ffacoffipawb

asandwhen wrote: »

My wife checked her bank one day and it was approx £116,000 in credit - she called the bank and they told her it had been paid in by her employer. She contacted her employer and they stated they hadn't paid any money to her.

After a few days she had a phone call back from her work saying that they had infact paid her her SORT code instead of the £50 expenses she was claiming for.

Does she bank with HBOS?