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

1356721

Comments

  • pqrdef
    pqrdef Posts: 4,552 Forumite
    Your mistake?
    People make mistakes all the time. That's when they need expert help.

    We use banks for our benefit, not theirs. They seem to forget that.

    If they don't want to be there when we need them, then obviously we're using the wrong bank.
    "It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis
  • alimahat
    alimahat Posts: 16 Forumite
    richardmk wrote: »
    This is from the Financial Ombudsmans Site

    online banking – bill payment is credited to someone other than the intended recipient


    Mr D used his bank’s online facilities to transfer £75 to a colleague, who had taken part in a sponsored bike-ride. He was unaware, at the time, that although he entered most of the details correctly, he made an error when entering the number of the account into which the money was to be paid.
    Several weeks later he contacted his bank, after discovering that his colleague had not received the money. The bank traced the payment and found it had been credited to a third party – whose account number matched the one Mr D had entered in error.
    Mr D accepted that he had made an error with the account number. However, the details of the name on the account had been correct. He therefore could not understand why the bank had not spotted the mismatch and queried it, before paying the money into the ‘wrong’ account.
    Mr D wanted the bank to reimburse him for the lost payment. The bank refused, on the grounds that he, not the bank, had made the mistake. Mr D challenged this. He said that if the bank always sent payments to the account number entered online – even where this did not match the other details provided – then there should be a warning about this on the website.
    The bank rejected Mr D’s complaint. It said it had not been under any obligation to check the payment details he had entered online. Unhappy with this response, Mr D brought his complaint to us.
    complaint upheld
    We examined the bank’s process for the online payment of bills. Banking industry guidance states that consumers should be specifically warned if payments will be processed and credited using just the account number. There was no such warning on the bank’s website. We therefore told the bank to reimburse Mr D for the £75 payment

    This is exactly what happened in my case!!!! But the manager said "Santander cannot help you any further with this matter"
  • alimahat
    alimahat Posts: 16 Forumite
    Hi All,

    Does anyone know the bank manager's name at WOOLWICH (code 309988).

    I have also got two different addresses for the same sort code and was hoping that someone here will let me know which one to use.


    LLOYDS TSB BANK PLC
    Woolwich (309988)
    Chelmsford LeggSt Osc
    1 Legg Street
    Chelmsford
    CM1 1JS

    LLOYDS TSB BANK PLC
    WOOLWICH(309988)
    BIRMINGHAM OSC 4, ARIEL HOUSE, 2138 COVENTRY ROAD, BIRMINGHAM, B26 3JW,
    SHELDON
    England
    Thanks
  • noelphobic
    noelphobic Posts: 2,297 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    alimahat wrote: »
    Hi All,

    Does anyone know the bank manager's name at WOOLWICH (code 309988).

    I have also got two different addresses for the same sort code and was hoping that someone here will let me know which one to use.


    LLOYDS TSB BANK PLC
    Woolwich (309988)
    Chelmsford LeggSt Osc
    1 Legg Street
    Chelmsford
    CM1 1JS

    LLOYDS TSB BANK PLC
    WOOLWICH(309988)
    BIRMINGHAM OSC 4, ARIEL HOUSE, 2138 COVENTRY ROAD, BIRMINGHAM, B26 3JW,
    SHELDON
    England
    Thanks

    Those are regional office addresses, not branch addresses.
    3 stone down, 3 more to go
  • alimahat
    alimahat Posts: 16 Forumite
    noelphobic wrote: »
    Those are regional office addresses, not branch addresses.


    More dilemma then, two regions for the same sort code, how do I know which one to send it to????
  • Archi_Bald
    Archi_Bald Posts: 9,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    alimahat wrote: »
    More dilemma then, two regions for the same sort code, how do I know which one to send it to????

    Both?....................................

    What address does postcodeanywhere give you?
  • CRISPIANNE3
    CRISPIANNE3 Posts: 1,477 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yes put in a complaint to Santander for allowing idiots to use the faster payment system. The banks drum it in to us check, check and check again to ensure the details are correct. However when it does go wrong it is never the customers fault.
  • alimahat
    alimahat Posts: 16 Forumite
    Yes put in a complaint to Santander for allowing idiots to use the faster payment system. The banks drum it in to us check, check and check again to ensure the details are correct. However when it does go wrong it is never the customers fault.


    Am guessing you have never made a mistake in your life!!!. I am no idiot and am not blaming Santander for my mistake, but the fact that they do not care to help me at all, even though when I spoke to Lloyds, I was told that Santander is suppose to sent them a request for a transfer trace, which is what they would have done if I was their customer.
  • noelphobic
    noelphobic Posts: 2,297 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    alimahat wrote: »
    More dilemma then, two regions for the same sort code, how do I know which one to send it to????

    I'm not sure. Both, as another poster suggested.

    I used to work for a bank (not Lloyds) and would say that some banks are reluctant to deal with another bank's customers and would insist that any query would have to come from the customer's own bank.
    3 stone down, 3 more to go
  • alimahat
    alimahat Posts: 16 Forumite
    Archi_Bald wrote: »
    Both?....................................

    What address does postcodeanywhere give you?


    Hi,
    the first one, but when I goggled for Lloyd's branches using the sort code, the second one came up.

    Thanks
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