Money transferred to wrong account, bank won't pay it back.

pmduk

You friend should be thanking you for reducing his overdraft.

happs

YorkshireBoy wrote: »

Which bank did you send it from?

Did it go by FP or BACS?

From Bank of Scotland to Lloyds, i think it would be FP.

happs

catfish50 wrote: »

Sorry if it seemed condescending. It wasn't intended.

Not sure why I'm apologizing really. It's not my fault you made a mistake.

I apologize if i'm a little sharp, i really need this money back. For the record the fact i intended to send it to the same person isn't information i'm going to volunteer to the bank.

Ultimately if it comes to it i can try small claims court, i'd imagine given the sum involved they'll probably pay it than deal with the hassle but i'd imagine it'd be a rather long winded way of dealing with it.

YorkshireBoy

happs wrote: »

From Bank of Scotland to Lloyds, i think it would be FP.

You "think"? What does it say on your transaction list online?

Since they're both part of the same group it may have gone by something else...'internal transfer'?

Do you remember reading the payment confirmation message? Possibly being annoyed at the "on this occasion we're unable to send your payment by faster payment so it will go by BACS and take 3-4 days" message presented to you?

Or maybe you saw the "your payment will arrive within 2 hours as it's going by faster payment. These payments cannot be recalled so please ensure the account details are correct before clicking confirm" message?

happs

YorkshireBoy wrote: »

You "think"? What does it say on your transaction list online?

Since they're both part of the same group it may have gone by something else...'internal transfer'?

Do you remember reading the payment confirmation message? Possibly being annoyed at the "on this occasion we're unable to send your payment by faster payment so it will go by BACS and take 3-4 days" message presented to you?

Or maybe you saw the "your payment will arrive within 2 hours as it's going by faster payment. These payments cannot be recalled so please ensure the account details are correct before clicking confirm" message?

It was a faster payment one just checked the email i got at the time.

YorkshireBoy

Did your friend give you the account details, not realising it was in unauthorised overdraft? Or did you use the account details you'd previously used, and saved, to send them money?

globalds

Shouldn't you just ask your friend to give you the hundred pounds back ...seeing as you have given it to him.

Maybe he still has a bank account that will let him go overdrawn and you will all be back at square one.

grizzly1911

happs wrote: »

I apologize if i'm a little sharp, i really need this money back. For the record the fact i intended to send it to the same person isn't information i'm going to volunteer to the bank.

Ultimately if it comes to it i can try small claims court, i'd imagine given the sum involved they'll probably pay it than deal with the hassle but i'd imagine it'd be a rather long winded way of dealing with it.

I think you will be throwing money away if you go down the small claims court.

Your friend could just have easily withdrawn a £100 pound credit balance, that you sent him, and spent it what then?

happs

YorkshireBoy wrote: »

Did your friend give you the account details, not realising it was in unauthorised overdraft? Or did you use the account details you'd previously used, and saved, to send them money?

Yeah, i'd sent money to it before

globalds wrote: »

Shouldn't you just ask your friend to give you the hundred pounds back ...seeing as you have given it to him.

Maybe he still has a bank account that will let him go overdrawn and you will all be back at square one.

If he was in a position to give me £100, i wouldn't have been needing to give him £100. Basically he can't afford it and neither can I.

globalds

happs wrote: »

If he was in a position to give me £100, i wouldn't have been needing to give him £100. Basically he can't afford it and neither can I.

So your argument in a small claims court would be that the bank can afford it ?

Don't see how the bank has done anything wrong ....Unless you are planning on lying in court.