Has anyone paid money to the WRONG account

Lokolo

And when did you do the transfer?

noelphobic

ashley79 wrote: »

am amazed that 2 accounts can have the same long number.

I am no expert on credit cards (although I am good at spending on them lol!) but I am fairly confident that two different cards and accounts would not have the same 16 digit number.

ashley79

I did the transfer on the 28th and has not been bounced back to me. And yes your right i would be amazed and disgusted if 2 accounts would have the same long numbers. thats 16 digits exactly the same. Impossible. I hope.

noelphobic

ashley79 wrote: »

On first direct it says 'Pay bill' and have a standing order set up for her and the money goes in. I went to the pay bill section and put in Natwest it came up with a list. I asked her which card it was and she said visa classic card which i chose (now I know that is a credit card). the card number was put in and it was accepted. Im guessing if the account/credit card did not excist then the payment would not have gone through. although I am amazed that 2 accounts can have the same long number.

Your right it normally does ask for those details but I was being thick and didnt think about it until the money did not go in to her account. yes this is my error granted and i can admit that but I can lose that money just like that. It makes no sense to me.

the payment would not be rejected due to the card number being invalid and probably not even if the account number was invalid. Payments are sent to incorrect account numbers and card numbers every day. Sometimes even to invalid sort codes, although these would normally be rejected at BACS and would not reach another bank - using an invalid sort code is like phoning an invalid telephone number to some extent. Using a valid sort code but with an invalid account number and/or card number is similar to phoning a wrong number - you might actually get to speak to someone but probably not the person you wanted to!

Lokolo

If you did it on 28th I wouldn't expect it to go in until yesterday or today. Wait until the end of the week incase there were delays.

ashley79

I have spoken to my bank and highlighted 'my error'. they said they would have to contact Natwest etc which is a sign there might be some hope. I think im more angry with myself I just cant afford to pay someone else's credit card bill. If the bank 'ask the customer' what chances will they say yeah OK give him back his money. But all I can do is wait and see. I will keep all informed. Wish me luck and thanks for all your help.

[Deleted User]

I done this sometime ago and was bounced back luckily :S

ashley79

Vinh, I hope I am as lucky. If i had hair it would be pulled out by now.

ashley79

Update***

I have just got my money back it was held in a suspense account. My bank First Direct were on the ball and really helpful. Actioned it straight away and chased it everyday for me then called to let me know the money was back in my account. So grateful for there customr support and all of the posts on here. Note to everyone DOUBLE CHECK BEFORE YOU PRESS OK.

[Deleted User]

ashley79 wrote: »

Vinh, I hope I am as lucky. If i had hair it would be pulled out by now.

good to hear that you got your money back :beer: