MYsterious credit in bank account dilemma!

molerat

davidhwdn wrote: »

how did they know it was you it went to?

Probably because they still had the contact details from the on-line purchase made some time previously, as mentioned in the op.

LeeSouthEast

Mmmmmmmmmmmmm sammich and coffee... retirement bliss!!

Kittenonthekeys

LeeSouthEast wrote: »

Mmmmmmmmmmmmm sammich and coffee... retirement bliss!!

Sorry to shatter the retirement dream but 'fraid it's just the coffee for me as I've transferred the money back - together with a bit of a lecture on wasting my time, checking before clicking and deleting my name from their list of recipients! :mad:

LeeSouthEast

Ring-fence that part of the interest and rate-chase for 30 years. Your sammich will be yours eventually!

Sharon87

I remember my mum finding £1500 in her bank account once. It was actually from child tax credits who had her income down as none instead of what it actually was. They told her they take it off the next payments, even though she said she'd only get them for 4 more months!

She kept the money, and they still haven't asked her for it lol. She tried giving it back, but they wouldn't let her! Very strange that was.

Kittenonthekeys

Sharon87 wrote: »

I remember my mum finding £1500 in her bank account once. It was actually from child tax credits who had her income down as none instead of what it actually was. They told her they take it off the next payments, even though she said she'd only get them for 4 more months!

She kept the money, and they still haven't asked her for it lol. She tried giving it back, but they wouldn't let her! Very strange that was.

But at what point could your mum ever be sure it was hers to keep, she was free to spend it and that one month, one year or even 5 years down the line, they wouldn't have demanded the money back? That would have been my dilemma, had the person who paid it in not contacted me.
The trouble is that the bank will say it is yours if the account number and name are correct but won't issue a letter absolving you from the responsibility of having to cough up (and saying they will cover it, which is what I was hoping would happen - in my dreams) if at a later date the payment was found to have been made to you error.