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

happs

JuicyJesus wrote: »

In such a scenario Lloyds will be loathe to return the money and BoS are even less likely to wish to try and retrieve it - not least because it is neither of those banks' fault. They acted entirely upon your instruction without any human intervention. Any complaint will likely fail on that basis.

As to your idea of lying through your teeth, that will not work either. They will check to see if you have paid this person before without dispute and realise what you're up to.

Long story short - tough sh*t.

I've never said at any point it's the banks fault. I sent it to the wrong account by accidentally picking it from a dropdown list. That i have paid him before doesn't change that fact.

happs

grizzly1911 wrote: »

How good is your own track record (not asking you to tell us) would they be bothered if you said you were going to close your account?

Is there a compelling reason to offer a gesture of goodwill?

Question is do you feel lucky in pushing the case?

If found against you banks/insurance companies do share information.

Would you potentially want that on your credit record?

I doubt they'd be hugely bothered, although i don't see how squeezing my bank is going to do anything, it's Lloyds who i need to release the money.

grizzly1911

happs wrote: »

I doubt they'd be hugely bothered, although i don't see how squeezing my bank is going to do anything, it's Lloyds who i need to release the money.

So you are not going to involve your bank you are going to go after your friend's bank alone?

happs

grizzly1911 wrote: »

So you are not going to involve your bank you are going to go after your friend's bank alone?

I've asked my bank to put a trace on the transfer, Lloyds then sent a letter to my friend to get confirmation but said if he was overdrawn it wouldn't go through. As far as i can see there is nowt my bank can do.

gordikin

You screw up, your friend screws up, and you expect the bank to take the hit!

willo65

happs wrote: »

I've never said at any point it's the banks fault. I sent it to the wrong account by accidentally picking it from a dropdown list. That i have paid him before doesn't change that fact.

I would think as you only have 2 transfers set up it's going to be a difficult defence to say you clicked on the wrong one especially if names differ significantly. Also if the system asked you to 2nd check payment before you confirmed it then I don't think you will get the funds returned.

happs

gordikin wrote: »

You screw up, your friend screws up, and you expect the bank to take the hit!

Seriously? What "hit" are the bank taking? I sent them money by mistake, the only party taking a "hit" is myself.

Riddle me this, lets say Lloyds decide, out the goodness of their heart, to refund my money but accidentally miss out the decimal point and send me £10000. Does anyone think i'd have a leg to stand on if i withdrew it all and blew it? No, i'd end up in jail - so why doesn't that work both ways?

happs

willo65 wrote: »

I would think as you only have 2 transfers set up it's going to be a difficult defence to say you clicked on the wrong one especially if names differ significantly. Also if the system asked you to 2nd check payment before you confirmed it then I don't think you will get the funds returned.

Tbh, seeing as i was meant to send it to an account that wasn't even on the list yet, clicking the wrong one one would seem to be well within my capabilities.

Although you deserve congratulations for being one of the few people to understand the whole concept of there being a dropdown list with two people on it.

jonnyd281

OP the person to take to the small claims court to retreive your money is the OWNER of the account - ie your friend. The bank has acted on your instructions, as such the payment is correct.
Lying in court is called perjury and (if you look up certain politicians names) you will find results in a prison sentence.
I would suggest that the issue is between you and your friend and nothing to do with the bank.

pmduk

happs wrote: »

Do you genuinely think Lloyds would bother to go to small claims court over £100?

If you're prepared to commit perjury and face a CIFAS marker for £100 I suggest you think again.

When your friend has finally sorted his problems out you'll still find it difficult to get a bank account/financial product of any sort.

The bank has done nothing wrong in this case. Just accept that.