Sigh... why don't people learn?

MrsManda

Please, please, please, if you've ever done an electronic transfer and realised that you've sent it to the wrong account number and you get the money back, remove the transfer details so you don't do it again.

My account received £1000 (so not a small sum) over the weekend which we weren't expecting, from people we don't know.
Yet we do 'know' them because the same people have done it before with a similarly large sum.

I called my bank, as I did last time, to get the payment sent back and also asked them if possible to write a note telling the senders to be more careful.

The money is still in my account as of today so I am hoping that whoever they meant to send the money to has contacted them to say it hasn't arrived so that it gives them a bit of a panic. I know it's mean but I've done everything I can and I'm hoping that this time they'll learn.

I was half tempted to keep it in my account until someone came looking for it but felt guilty. Note: I wouldn't spend it, it'd sit in my account ready to be recalled.

scottishblondie

Good on you for being honest. I hope whoever sent it learns their lesson this time!!

mr_fishbulb

Whenever I set up a new payee on my bank, I test it first with a small but semi-unique sum like £1.15. If you've set it up wrong then it's only a small loss.

It does seem to get fraud systems excited though because that's what people tend to do before emptying your bank account.

meer53

I hope your bank have noted this on your account ? Sounds a bit suspicious to me, it indicates that someone you don't know has your account details. Might be an innocent mistake by the sender but then again it might not ! Moving money between accounts is often linked to money laundering.

pmduk

meer53 wrote: »

I hope your bank have noted this on your account ? Sounds a bit suspicious to me, it indicates that someone you don't know has your account details. Might be an innocent mistake by the sender but then again it might not ! Moving money between accounts is often linked to money laundering.

Whilst I understand where you're coming from, I also recognise the OP'S position. Usually once you've made a single payment the details are stored on your account until you make the effort to delete them.

ryan86uk

I agree!!

Just a question though, from a legal point of view do you need to pay that £1000 back?

ChiefGrasscutter

Now this is all very interesting as for once we see an incorrect credit from the receiving persons' view.

Up to now all we've got is the story of I've transfered it into the wrong account and there "is nothing I can do so I'm told to get it back".....
...and we have had lots of them. I've comented on some of them but generally have lost the will to carry on commenting.

So do keep us informed of exactly what does happen in this case.........

pmduk

ryan86uk wrote: »

I agree!!

Just a question though, from a legal point of view do you need to pay that £1000 back?

Yes, it's not your money. You know it's not your money. If you hang on to it, it's called theft. Why do you expect something for nothing?

ryan86uk

pmduk wrote: »

Yes, it's not your money. You know it's not your money. If you hang on to it, it's called theft. Why do you expect something for nothing?

Thanks for clearing that up, I asked the question and got the answer.

Referring to your latter question, on the contrary not at all. I'm not that kind of person. I was simply asking from a legal point of view that's all :mad:. This country has various ridiculous laws and rules so it wouldn't have surprised me if one could keep the money.

Take squatters for example. It's not legally their property but can you kick them out? Nope!

flashg67

ryan86uk wrote: »

Thanks for clearing that up, I asked the question and got the answer.

yep, you did ask!! :rotfl:

ryan86uk

flashg67 wrote: »

yep, you did ask!! :rotfl:

yep, I know :T