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  • Third party ,i feel, has no money, and going the Civil courts would leave me out of pocket big time with no promise of money back .Only want money back.If it comes to it l will go down this route, l suppose, but at moment l hope not! Small claims only deal with up to 5000. pounds so no good. Magistrate no good either.
    Thanks though
  • scallypea wrote: »
    There MUST be something the banks can do to aid me in some way.
    Yes there is - and according to your posts they've already done it. Namely confirm recipient details (which you already knew because you'd paid this person before) to police, and refunding to you that amount (ie. £1,000) which the recipient hadn't withdrawn. Pursuing the recipient on a theft charge is a matter for the police, not the banks. Pursuing the recipient in the civil courts is a matter for you, not the banks.
  • scallypea wrote: »
    It is insulting to me for anyone to suggest that l have not learned from a mistake that has so heavily cost me not just financially but emotionally too.
    I don't think anyone is insulting you, I'm sure most people have a lot of sympathy with you however you keep asking the same questions and getting the same replies.
    The bank didn't red flag the transaction rightly or wrongly so there is no point going over that again, the bank isn't going to help you and you've contacted the police which would appear to be the correct thing to do. Step back from this forum as it's obviously upsetting you at the moment and come back on when you have updates, I really hope you get a positive outcome.
    Every Penny's a Prisoner.
    Cash is king.
  • lovinituk
    lovinituk Posts: 5,711 Forumite
    1,000 Posts Combo Breaker
    scallypea wrote: »
    Third party ,i feel, has no money,
    I think this is going to be the biggest problem. If the 3rd party has no money then even the banks couldn't get it back even if they should.

    If you take it to court yourself and you win then as far as I am aware, your costs are added to the 3rd partys debt?

    They should be punished one way or another, either by through the courts by you or criminally by the police. Preferably both!!
  • I am confused as to how you sent it to someone you previously bought something off? Were the account details the same as the person you wanted to send money to bar one number?

    Just a bit confused.
  • I am confused as to how you sent it to someone you previously bought something off? Were the account details the same as the person you wanted to send money to bar one number?

    Just a bit confused.
    I think the OP had put the name of the person they meant to pay but used someone else's account details (from a previous transaction) and as the name isn't checked by the banks the transaction had gone through.
    (Correct me if I'm wrong please!)
    Every Penny's a Prisoner.
    Cash is king.
  • I think the OP had put the name of the person they meant to pay but used someone else's account details (from a previous transaction) and as the name isn't checked by the banks the transaction had gone through.
    (Correct me if I'm wrong please!)
    this is correct.Thank you for explaining it simply.
  • lovinituk wrote: »
    I think this is going to be the biggest problem. If the 3rd party has no money then even the banks couldn't get it back even if they should.

    If you take it to court yourself and you win then as far as I am aware, your costs are added to the 3rd partys debt?

    They should be punished one way or another, either by through the courts by you or criminally by the police. Preferably both!!
    I agree punishment should happen.
    just feel stupid and let down by 'the system' people should know that this sort of thing happens a lot and they should be really, really careful as there is no 'safety net' out there.
    If l had wanted to give 10,000 to someone l would have sponsored a few children through uni or given it to a hospital in outer mongolia.
  • What about the recepient who should have received the money? Do you still have to find £10,000 for them?
    Every Penny's a Prisoner.
    Cash is king.
  • What about the recepient who should have received the money? Do you still have to find £10,000 for them?
    NO, thank goodness!! but the person who spent the money does not know this. Goodness knows what would happen if someone was in that position!!
    Would like to find out how many people this sort of thing has happened too. As safety and support in numbers.
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