Bank error in my favour for a change

Foggster

opinions4u wrote: »

In fact by moving the funds (assuming you have done) you leave yourself wide open to a theft charge.

I would like to be in court the day that came before the judge!;)

opinions4u

Foggster wrote: »

I would like to be in court the day that came before the judge!;)

I didn't comment on the likelihood of a conviction .

But I've known such an act lead to a visit to the local magistrates court.

DrGronod

I have a similar problem - or rather my mother does. She gave me 2 cheques for £200 pounds a couple of months ago which I paid into my account on the same day, and later my statement showed £400 credited. However she has since shown my her statement showing just one of the cheques and for £20 taken from her account instead of £200 - no sign of the other one! The cheque number for the £20 is the same as on her cheque-book stub for £200, and other cheques either side of them have since been acknowledged.

Any advice on what to do? Should we tell the bank to show them how rubbish they are, or hold out and see if they find the problem themselves and hope for the £380 gain?! The only thing to watch for is that she must keep her account £380 in credit in case they suddenly find it - but how long for?

Paul_Herring

DrGronod wrote: »

but how long for?

Usual (safe) advice is 6 years.

bendix

Paul_Herring wrote: »

Or not.

It might be another customer's error. Witness all the threads on here where people have mis-keyed account numbers/sort codes and are desparate to get their money back to where it came from/should have gone.

Now put yourself in that person's position.

Yes, Paul, but in that instance it should be the responsibility of the person who made the mistaken payment to write the letter, not the recipient.

Of course the OP shouldn't spend the money, but the bank is just being pigheaded and lazy demanding she write them a letter to correct a mistake she's not responsible for.

I normally side with the banks on this sort of thing, but this is daft. I suspect it's not the bank per se who is in the wrong - just some lazy half-arsed girl in a call centre who can't think outside the box to solve a problem.

Mark7799

Sounds like people in the bank have lost the ability to think for themselves!

I was involved in this situation once in my time in banking - the letter is needed as a permanent record. We wrote a very grovelly letter to the customer, enclosed a suitable letter of authority for them to sign (and enclosed an SAE) - we got the signed letter back within a few days without any query and we aimed to give the minimum of additional inconvenience to the customer for the Bank error.

poorgirl-54

at the number of issues people are having is shocking is embarressing, they can never resolve any issues or take forever, i am definately loosing faith in them

MichaelCR

rebeccastorey wrote: »

Hi,

I have joined the forum specifically to get some advice on this one. My bank made an error on the 27th March depositing 470.00 into my account. I initially thought this was my money, however when checking my online statement i realised very quickly that it was a payment from an unknown individual and quite obviousley in error.

I called the bank and explained this (unbelievably the girl on the end of the phone asked me if i had spoken to the person about the payment- after i told her i dont know who this person is!). After sitting on hold for 20 minutes the call handler asked me if i was expecting any rent payments- of course im not; before finally reaching the conclusion that the money wasnt mine (well done call handler).

I was told that i had to write a letter to the bank explaining that the money wasnt mine and to remove it from my account. i explained to the call handler that i have notified the bank by telephone (i.e. now)- during a recorded conversation, having passed through security questions galore and as such a letter will not be sent as it is their error- and to be honest just purely out of principle. the call handler told me that the bank cannot legally remove these funds without a letter (i found this most amusing having had a vast number of bank charges in the past which i certainly did not express my will for the bank to do so in writing)

I have not spent the money, its in my account still. i admit however that i would very much like to spend it.

can i have your collective opinions on this one please- i have told the bank, they havent taken it back- what do i do? i havent written a letter, out of principle i dont see why i should.

p.s. i didnt even get a thank you for my honesty, i was actually spoken to in a manner which made me feel like im the one causing the problem.

Does it not say the Account number and sort code on the transfer ? I'm pretty sure when i transfer money between my accounts that on my online statement it will come up with the account number and sort code it came from, perhaps if it does then send it back to the original person, Adding a note on the transfer note ?

If it doesn't, And you cant find where its come from and nothing happens, Then i guess putting it into a savings account untill someone wants it back ? At least you'll make a couple of pennies in interest lol !

[Deleted User]

bank should be able to confirm sort code and account number of who sent it or the reference

tillycat123

Someone this month has kindly paid off my credit card bill in full and a bit to spare!
Will wait for a letter telling me an error has been made I think.