Account credited in error

matttye

dr_adidas01 wrote: »

Oh i'm sure the OP probably knew the money wasn't theirs or from HMRC. Lets face it wouldn't have said Halifax as the payee if it was from HMRC now would it?

When I got a tax rebate paid into my account the reference number was HMRC then my tax number, that was the give away it was my tax rebate that I had been expecting.

Depends how closely they checked. I would definitely notice. There's not a transaction that happens in my account without me knowing, but not everyone checks their account as often as I do.

Also depends on how they checked. E.g. if I look at the Santander app on my iPhone, the reference is not visible when looking at the transaction list. You have to tap on the transaction to go into a view which shows more details in order to see the reference.

Theft is a crime of specific intent. It requires dishonesty and an intention to permanently deprive.

Ignorance of where the money came from would be a defence to theft in the circumstances given by the OP.

matttye

Archi_Bald wrote: »

It would be very hard to convince a judge that you thought Halifax (or whoever paid the money in) would be the source of payment for a tax refund. It would be a massive coincidence if the tax refund would have been for exactly the same amount as the payment that the OP now acknowledges "has been put in as an error".

The evasiveness of the OP is quite mindboggling. So is the report that says the CAB said to get in touch with the FOS. It is, of course, possible that the CAB give out incorrect information, but it does sound most unlikely that the CAB do not know the rules for engaging the FOS.

The app on my phone shows "Faster payment receipt fr" on the transaction list whenever I get a faster payment. If I don't click on it for more information, then I wouldn't know who paid it. You cannot see at a glance who has paid you.

So it depends on where and how closely the OP looked at the transaction.

How would the OP know in advance how much of a tax rebate they were getting? I came home from work one day to find a cheque for about a £200 tax rebate.. I had had no previous correspondence about it. I'm not an expert on how these things work, so it's a genuine question.

If it can be confirmed that a tax rebate was due at around that time, then the OP's story is quite believable.

Archi_Bald

The OP never mentioned any app.

You find out how much your tax rebate is from a letter the HMRC send you, usually well before they are actually sending the payment.

Why are you trying to make a case for them not knowing? The OP has acknowledged the money isn't theirs.

matttye

Archi_Bald wrote: »

The OP never mentioned any app.

You find out how much your tax rebate is from a letter the HMRC send you, usually well before they are actually sending the payment.

Why are you trying to make a case for them not knowing? The OP has acknowledged the money isn't theirs.

OP said they genuinely had no idea until Halifax brought it to their attention later on.

It's everyone else who has tried to make the OP a villain. I'm simply saying that what the OP says could be true.

I don't understand why people can't just take posts at face value rather than trying to suggest everything is a lie.

SuperAllyB

matttye wrote: »

The app on my phone shows "Faster payment receipt fr" on the transaction list whenever I get a faster payment. If I don't click on it for more information, then I wouldn't know who paid it. You cannot see at a glance who has paid you.

So it depends on where and how closely the OP looked at the transaction.

How would the OP know in advance how much of a tax rebate they were getting? I came home from work one day to find a cheque for about a £200 tax rebate.. I had had no previous correspondence about it. I'm not an expert on how these things work, so it's a genuine question.

If it can be confirmed that a tax rebate was due at around that time, then the OP's story is quite believable.

How many people who care enough to check a banking app would see a credit for £5000 and not click on the transaction for more info?

matttye

SuperAllyB wrote: »

How many people who care enough to check a banking app would see a credit for £5000 and not click on the transaction for more info?

It's not immediately obvious you can click for more info. There's no button that says 'click for more info' or anything - you just tape on the line in the list and it opens up a view with more info about that transaction.

I think most people would look into it further, but it doesn't matter what most people would do, it only matters what the OP did, and she says that she didn't know. It's not for us to start accusing her of lying.

dr_adidas01

Archi_Bald wrote: »

The OP never mentioned any app.

You find out how much your tax rebate is from a letter the HMRC send you, usually well before they are actually sending the payment.

Why are you trying to make a case for them not knowing? The OP has acknowledged the money isn't theirs.

Technically not true, it was in my account before the letter telling me it was going to be reimbursed into my bank account arrived.

It arrived 4 days after the payment went into my account, good old slow delivery by the Royal Mail.

WhatDoYouDoForMoneyHoney

I still have the right to think that the law should be changed because it's wrong.[/QUOTE]

Would you still feel the same if it was your money that had been sent in error and the other person, felt they shouldn't give it back to you?

I'm guessing not, I bet you would be demanding they return it to you and accusing them of illegally keeping it!?![/QUOTE]

Please see my other posts for my surprise when I found myself in that very position, I made a mistake and put money into the wrong account and assumed that seeing as I made the error, I'd be the one who lost out.
I abide by the law as it is, I still disagree with it though.

WhatDoYouDoForMoneyHoney

Archi_Bald wrote: »

You know, sometimes it pays to actually keep up with the contents of the thread. If you had done so, you would have noticed that I am referring to a very different person, not the OP. As opposed to you, I have made not one single assumption but refer to information in the public domain about a woman who was convicted of a criminal offence. She is blonde and poor.

I strongly resent your repeated accusation that I have made sexist, and now also racist?, remarks.

I thought I'd made it clear in the post what I meant; the term blonde in that context, whoever you're talking about, is irrelevant to the point you were making and (as I thought I'd clearly said) if you had used the term 'the poor black girl' then it'd be racist in that context. You didn't say that, you said 'the poor blonde' which is sexist in this context.

WhatDoYouDoForMoneyHoney

Herbalus wrote: »

Whilst I'm not convinced of this myself, it is quite a coincidence that the OP was last active at 1530 on 11 Aug, and WhatDoYouDoForMoneyHoney vehemently supported them after creating an account on 11 Aug.

Oh, and according to this post in a TV thread:

3 films a day? Something smells fishy.

Surprised it took so long for an accusation about me to pop up. I suspect the OP hasn't returned because she was sick of being called all sorts and being accused of all sorts. My only association to her is being a fellow newbie myself.