Money appeared in my account

sm1234

Called the bank today. They couldn't work it out straight away, but will get back to me tomorrow after they have looked into it. The cash was paid in fairly locally but not very locally (so could still have been someone I know being generous!!).

YorkshireBoy

DUTR wrote: »

I cannot see how money has appeared in your account with no note of who the sender is .

sm1234 wrote:

So, I opened up my online banking to discover £1000 paid in, in cash, to one of my accounts.

Does that help?

pqrdef

So, either somebody put the wrong account number on the paying-in slip, or it was miskeyed into the computer.

If the former, the bank isn't going to pay you anything because it hasn't done anything wrong.

If the latter, nobody has paid you any money. The bank has simply made a clerical error in maintaining the records of your account. You've taken advantage of that error to help yourself to a large unauthorised overdraft. When the bank discovers the error, they will simply delete the offending transaction and your overdraft will become visible. Then they'll charge you for it. They'll also muck up your credit record. Be grateful if they don't call it fraud.

sharpy2010

pqrdef wrote: »

So, either somebody put the wrong account number on the paying-in slip, or it was miskeyed into the computer.

If the former, the bank isn't going to pay you anything because it hasn't done anything wrong.

If the latter, nobody has paid you any money. The bank has simply made a clerical error in maintaining the records of your account. You've taken advantage of that error to help yourself to a large unauthorised overdraft. When the bank discovers the error, they will simply delete the offending transaction and your overdraft will become visible. Then they'll charge you for it. They'll also muck up your credit record. Be grateful if they don't call it fraud.

For gods sake, the OP has already made it VERY CLEAR that he/she has no intention of keeping it, so why are you bloody harping on about it.

The op wants to bloody return it.

sm1234

The bank phoned back this evening. It was their mistake (and all credit to them for 'fessing up). They tried to remove the £1000 earlier today but couldn't, as it is an electron account (originally intended for those who couldn't cope with a 'real' bank account, so no overdraught facility, but I have one to get around ryanairs dodgy booking fee). I moved the money back across so they can reclaim it tomorrow.

I'm quite surprised by some of the reactions by posters to my suggestions to charge the bank a fee (perhaps most of the posters on here are bankers themselves). If I had (to quote pcombo) 'not handled my account properly' (say gone overdrawn by paying £1000 into the wrong account), I would have been charged a fee. Now that they have 'not handled accounts properly', I have had to spend best part of half an hour on the phone to help them sort it out. Does nobody else think the albeit fairly symbolic/mischievous gesture of charging them an admin fee is a go-er?

Noble_Savage

sm1234 wrote: »

I'm quite surprised by some of the reactions by posters to my suggestions to charge the bank a fee (perhaps most of the posters on here are bankers themselves).

We're not, you know. But it really annoys me when I see someone saying that. "You don't agree with me. You must, therefore, be a banker."

Does nobody else think the albeit fairly symbolic/mischievous gesture of charging them an admin fee is a go-er?

No. Someone made a mistake. It happens. It's been resolved. Someone - a real person, not a bank - at the other end of this was missing their money for a period. Now they're getting it back. As for charging - we don't like it when banks do it to us. So why stoop to that level?