Bank Mistake

Ballard

warby68 wrote: »

Are you sure your missing tradesman didn't alter the amount as there would have to be a matching credit of £1900 I would have thought?

Still not your fault but a different issue

Lloyds admitted their error as per the OP.

Paul_1977

Wow won't do business with them.

Ballard

I've never worked for a clearer but I have seen plenty of cheques post-processing. My understanding is that they're coded once and that's the amount that will be debited/credited for all entries.

It's been a few years since I last took any notice of a cheque so I'm presuming that nothing's changed but the amount is printed on the bottom of the front of the cheque. My assumption is that this amount is machine-read from there on in. This is the reason that you're not supposed to write below the line. Once an error is made it's unlikely to be spotted until the payer's account is debited.

warby68

Ballard wrote: »

Lloyds admitted their error as per the OP.

yes but might be why they're faffing if they think some kind of fraud

ChiefGrasscutter

Paul_1977 wrote: »

Wow won't do business with them.

I've had a bank account with Lloyds for 35 years
no problems at all................

Ballard

warby68 wrote: »

yes but might be why they're faffing if they think some kind of fraud

Unless the OP has a history of fraud (which I very much doubt) then it's unlikely. If the payee has a history then the OP should be recompensed. I also cannot see any bank admitting liability unless they're to blame.

grumbler

Westie983 wrote: »

I would go back into branch and ask them to rectify their error, you shouldnt have to wait for their error, they can then investigate the error and reclaim the £100.

What branch?
It wasn't the OP's branch's error.

warby68

Ballard wrote: »

Unless the OP has a history of fraud (which I very much doubt) then it's unlikely. If the payee has a history then the OP should be recompensed. I also cannot see any bank admitting liability unless they're to blame.

I mean that the call handlers might be going off on tangents that prevent them getting to the point of refunding the OP

In writing will probably be best

robatwork

Just playing Devil's Advocate... but was this plumbing work for your business or home?

You did mention that it was from your business bank account, and I am wondering why this is relevant.

DrSyn

MrsW, perhaps if you could have got the BBC's Money Box program involved, your problem might have been sorted out quickly. They tend to have that effect on banks when they do this type of thing.

As others have said going through the banks formal complaints procedure and asking for compensation seems the right way to go.