Bank Error - In My Favour

essexhoney

This afternoon i took a load of cheques to the nationwide to pay into my flexaccount.
It wasnt until i got home and looked at the reciept that it said i had deposited £475.05. Knowing that wasnt right i checked ebay to see how much they had actually been for and it was exactly £201 less than what they had credited to my account

Just wondering what happens now? Will they realise their mistake? Will they request it back? Will they take it without telling me first?
Obviously with them being cheques they wont clear until next week anyway so i cant go out and spend the money as much as id like to :rotfl: Though i was just wondering how it worked and what they would do

The_doomed

they should reconcile their accounts shortly and find the error. where you stand i dont know.

sali_mali

Spend it quick then change your name! :rotfl:

Dan29

essexhoney wrote:

Will they realise their mistake?

Almost certainly.

essexhoney wrote:

Will they request it back? Will they take it without telling me first?

If it was a company that had sent too much money into your account they'd probably have to ask for it back, but as it's your own bank, they may well just take it without asking or telling you.

Whatever you do don't spend it as if they take it back and you go overdrawn, they could penalise you.

Dan29

sali_mali wrote:

Spend it quick then change your name! :rotfl:

sali_mali drwg!

sali_mali

Tee hee

Off topic i'm sorry but I'm in Cardiff too Dan! :hello:

oldwiring

There is much on this forum about claiming what is rightfully yours. The money in question in this thread is not rightfully that of the OP. The moral thing for the OP and any other person in a similar situation is to inform the bank immediately. Te fact that banks may be greedy amoral or whatever does not alter that moral duty. In fact I wonder if keeping it with intent would not be an act of theft. TBH if someone got away with it and a bank relaised severaal months after and debited the account into unauthorised overdraft, so giving rise to charges, I would have no sympathy whatsoever.

essexhoney

sali_mali wrote:

Spend it quick then change your name! :rotfl:

:rotfl: :rotfl: :rotfl: :rotfl:

oldwiring - i had no intention of spending it i just wondered what happened next and if there was anything i needed to do, i think you will find that sali_mali was joking :rolleyes:

Anyways, have just checked my bank account this morning and they have rectified their mistake so it seems i dont need to worry at all as they have obviously realised their mistake and corrected it

oldwiring

essexhoney wrote:

:rotfl: :rotfl: :rotfl: :rotfl:

oldwiring - i had no intention of spending it i just wondered what happened next and if there was anything i needed to do, i think you will find that sali_mali was joking :rolleyes:

Anyways, have just checked my bank account this morning and they have rectified their mistake so it seems i dont need to worry at all as they have obviously realised their mistake and corrected it

Interesting boardname; I hailed from Essex before my part became absorbed in to London Borough of Havering. Sorry I jad no intention of slating you. It was the siller comments that followed the OP that got me. It's my crotvhety old age you know:D

essexhoney

No problem

Turning_into_scrooge

oldwiring wrote:

Interesting boardname; I hailed from Essex before my part became absorbed in to London Borough of Havering. Sorry I jad no intention of slating you. It was the siller comments that followed the OP that got me. It's my crotvhety old age you know

It's been noticed lol, no offence mean't, i inted to start being crotchety early lol