Has anyone paid money to the WRONG account

Herbsman

Extant wrote: »

It's not false info at all - different banks have different procedures.

Think of it simply - if you could convince Abbey to do that, why couldn't a fraudster do the same, and start moving amounts of money around?

All you, as Mr X, would need to know is that Mr Y was sending some to Mr Z. You could then go to Mr Z's bank and say sorry, I paid it in to the wrong account...

By the time the real Mr Z noticed, the money may be gone.

More false info. Nice one.

You think Mr X would be able to go to Mr Z's bank and move money about? You really think any bank would allow some random person who isn't the account holder, to move money out of the account? What planet are you on?

You can only request that your own bank takes back money that was paid from your account. Which is what H201980 did, apparently. You can't do anything with other people's accounts unless you pretend to be them, which would require you to know a fair bit of personal information about them.

To make transactions at a bank via telephone, internet or in person you need to go though some sort of identification process for security.

Online that would require a unique customer number and a password. Most if not all banks will only make payments online if you use a card reader that generates a different code every time you use it.

When making payments by 'phone they first ask for date of birth, address and post code etc. Nationwide Building Society for example, before entering into any telephone discussion with you , will then ask what your account balance is, and what the last transaction you made was. If you can't remember that they'll ask you something else, like when you moved to your current address / how long you've lived there.

How is any fraudster going to know any of that information, unless they have been in your house and stolen your card reader, customer number, password etc? Or unless they somehow know your bank balance, date of birth etc?

poppy1981

I am with Natwest. Somehow I managed to pay £295 into a completely random account. Natwest have told me that the money has gone to an RBS account and that I should contact them, I have done so, and heard nothing back. I need to speak to someone about retrieving my money. Can someone please help me?

shermanata

this has happened to me, have you been able to get this money back

shermanata

??????????

poppy1981 wrote: »

I am with Natwest. Somehow I managed to pay £295 into a completely random account. Natwest have told me that the money has gone to an RBS account and that I should contact them, I have done so, and heard nothing back. I need to speak to someone about retrieving my money. Can someone please help me?

andrew-the-cat

Whilst trying to move some money between my accounts I accidentally typed the account number wrong by 2 digits (77 instead of 66). I only noticed 3 days later when looking in my online banking and had a major panic. I phoned the original bank and asked if they could cancel the payment - they couldn't. I phoned the receiving bank and explained the situation, and they said if it has gone into someone's account there is nothing they can do about it. I asked them to tell me whether an account with those details even existed but they could not even tell me that.

Thankfully 7 days later the money arrived back in my original account, I was lucky that the account number and sort code I had put in didn't actually link to a real account.