Help please!!! transferred £300 into the wrong account.

JuicyJesus

Conversely, the Ombudsman service have upheld complaints where the message wasn't present, which is why banks are slowly adding it to their payment screens.

matttye

JuicyJesus wrote: »

Conversely, the Ombudsman service have upheld complaints where the message wasn't present, which is why banks are slowly adding it to their payment screens.

That's all I want

So long as banks are clear about the information used, people can't complain if they enter the wrong info.

JuicyJesus

matttye wrote: »

That's all I want

So long as banks are clear about the information used, people can't complain if they enter the wrong info.

Quite. Although I'd still maintain that it's still the responsibility of people to ensure the information they input is correct.

matttye

JuicyJesus wrote: »

Quite. Although I'd still maintain that it's still the responsibility of people to ensure the information they input is correct.

It's hard to argue with that.

I just think that people need to know how payments are processed to know the appropriate amount of care that should be taken. If they have a genuine (and in my opinion, reasonable) belief that the account name is checked, then they would not necessarily exercise as much care in checking the other details.

onzey

matttye wrote: »

That's all I want

So long as banks are clear about the information used, people can't complain if they enter the wrong info.

Perhaps the banks could also add a bold warning that payment to the wrong account by providing, for any reason, the incorrect sort code or account number, can lead to the total loss of the amount of money being transferred.

Archi_Bald

By adding all these things people suggest should be added, the only thing that would be achieved is that there's way too much information to read, so people will ignore it.

What is so terribly hard by just typing the correct numbers, and checking that you did type the right numbers, on the confirmation screen?

When you make a phone call, would you expect to receive a looooong message about what might happen if you dial the wrong number, before you dial the number? Or do you just know that if you dial a wrong number, you may be charged for making the wrong call?

What's wrong with some people these days?? They can all operate smart phones and iPads and PCs and Facebook accounts with no problem, but they can't ensure they type a 6 digit number followed by an 8 digit number correctly?

matttye

Archi_Bald wrote: »

By adding all these things people suggest should be added, the only thing that would be achieved is that there's way too much information to read, so people will ignore it.

What is so terribly hard by just typing the correct numbers, and checking that you did type the right numbers, on the confirmation screen?

When you make a phone call, would you expect to receive a looooong message about what might happen if you dial the wrong number, before you dial the number? Or do you just know that if you dial a wrong number, you may be charged for making the wrong call?

What's wrong with some people these days?? They can all operate smart phones and iPads and PCs and Facebook accounts with no problem, but they can't ensure they type a 6 digit number followed by an 8 digit number correctly?

This thread is like watching a hamster run on a wheel continuously, because people keep posting and ignoring points that have already been made. I'll just quote my earlier post:

matttye wrote: »

I just think that people need to know how payments are processed to know the appropriate amount of care that should be taken. If they have a genuine (and in my opinion, reasonable) belief that the account name is checked, then they would not necessarily exercise as much care in checking the other details.

Note that I'm not asking for a ton of literature to be posted on the faster payments page; just a simple warning message that the account name isn't used to identify the payee.

Archi_Bald

matttye wrote: »

Note that I'm not asking for a ton of literature to be posted on the faster payments page; just a simple warning message that the account name isn't used to identify the payee.

Never mind what you have been asking - - my previous post was in response to this:

onzey wrote: »

Perhaps the banks could also add a bold warning that payment to the wrong account by providing, for any reason, the incorrect sort code or account number, can lead to the total loss of the amount of money being transferred.

matttye

Archi_Bald wrote: »

Never mind what you have been asking - - my previous post was in response to this:

Ahh fair enough

Well onzey's suggestion would suffice as an alternative to mine rather than in addition!

stclair

matttye wrote: »

This thread is like watching a hamster run on a wheel continuously, because people keep posting and ignoring points that have already been made. I'll just quote my earlier post:



Note that I'm not asking for a ton of literature to be posted on the faster payments page; just a simple warning message that the account name isn't used to identify the payee.

That would be interesting... In my circumstances my surnames double baralled but not always used.