Long term over-payment error

Naf

Robisere wrote: »

That is exactly what we did (Though not that much) to help an Aspergers sufferer, our grandson, to get his qualifications and a job. Now he has a well-paid job, which he may never have achieved without our help. His mum is a single parent of two, works all hours, always has, to give her family what she can. However, she needed the help we could give. And it will all be hers (and her brother's) one day anyway.

MORAL: You have no idea why people do what they do for their own. You do not know the reasons or the causes and it is no business of yours anyway.

They weren't questioning the fact that family members sent money; they (just like others of us) find it strange that the OP was receiving £100 per month on top of things that family members had told them about.
Also; usually a name comes up on payments into your account; did you really never wonder who's name it was, given it presumably wasn't a name you might have expected to see...

pmduk

I rather suspect the OP never checks his bank statements. If so, I hope the appropriate lesson has been learned.

misterlister

stclair wrote: »

Personally I dont beleive the OP in the slightest.

Charming as that is, I'm curious to know what you think is going on. That I pocketed or spent the money, knowing full well it wasn't mine? That's lovely - but not me. For what it's worth I previously worked for the bank that caused this mess and know full well that these things don't go unnoticed.

pmduk wrote: »

I rather suspect the OP never checks his bank statements. If so, I hope the appropriate lesson has been learned.

Spot on. I used to think life was too short to trawl through pointless transactions, maybe now I wish I had. I actually opted out of paper statements. Lesson indeed learned, as you said.

And yes, I get that based on what I've said I can see how it can seem strange that I didn't notice who it was from - but I think context and circumstances are important, and without going into details, it was an easy mistake to make. Hell, I'd probably be suspicious too, but that's not the issue here.

Thanks again to those offering serious advice. I went into a branch today, where the manager had a good old chuckle about the situation (agreeing it's pretty bizarre), then sent my letter of response via their inter branch mail.

Will try and get the original letter up here.

stclair

misterlister wrote: »

Charming as that is, I'm curious to know what you think is going on. That I pocketed or spent the money, knowing full well it wasn't mine? That's lovely - but not me. For what it's worth I previously worked for the bank that caused this mess and know full well that these things don't go unnoticed.



Spot on. I used to think life was too short to trawl through pointless transactions, maybe now I wish I had. I actually opted out of paper statements. Lesson indeed learned, as you said.

And yes, I get that based on what I've said I can see how it can seem strange that I didn't notice who it was from - but I think context and circumstances are important, and without going into details, it was an easy mistake to make. Hell, I'd probably be suspicious too, but that's not the issue here.

Thanks again to those offering serious advice. I went into a branch today, where the manager had a good old chuckle about the situation (agreeing it's pretty bizarre), then sent my letter of response via their inter branch mail.

Will try and get the original letter up here.

Christ knows but for an ex member of bank staff then you should know the importance of checking your statements on a regular basis.

Going back to the original point what you need to do is:

* Contact the back
* Arrange a confortable payment plan
* Learn to check your statements in future

Then all will be fine and dandy.

innovate

misterlister wrote: »

Spot on. I used to think life was too short to trawl through pointless transactions, maybe now I wish I had. I actually opted out of paper statements. Lesson indeed learned, as you said.

Online statements give you the same information as printed ones do, and are no excuse - or credible explanation - for not looking at your statements for 5 years

pmduk

Think back to when you worked for the bank, what the heck would you have said to a customer in your position? You should know that statements are sent out for a reason.

dalesrider

Bad enough for the OP....

Even FOS puts a responsibility on account holders to check accounts. As they place a max limit of 13 months refunds on unrecognised transactions or CPA's.

But how the hell did the other party not raise the issue for 5 years.

jonesMUFCforever

Just my opinion - I don't believe a word of it.

Naf

dalesrider wrote: »

Even FOS puts a responsibility on account holders to check accounts. As they place a max limit of 13 months refunds on unrecognised transactions or CPA's..

Does that mean the OP should only be expected to pay back £1300?

dalesrider

No....
Still have to pay the full amount.