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Barclays refusing to reimburse money paid to wrong account

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Comments

  • soulsaver
    soulsaver Posts: 6,654 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 3 February 2017 at 4:15PM
    I don't follow why there is a discussion about any bank rules here, except '...out of interest'.

    In law: The Letting agent is the landlord's agent = acting on behalf of the landlord.
    So - The Landlord ('s agent) told you how much, where & when to pay.
    You paid the agreed £££s to the agreed place at the agreed time.
    Your part of that contract is fulfilled.
    Your rent has been paid.. in reality.. and more importantly in law.

    Why is anyone talking to your sister about it? Landlord needs to talk to his agent and/or his 'old' bank.

    And your sister needs a new clear and signed written instruction to vary the existing arrangement... where to pay the next due rent.
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 February 2017 at 4:54PM
    soulsaver wrote: »
    Why is anyone talking to your sister about it? Landlord needs to talk to his agent and/or his 'old' bank.
    Talk about what?

    If the account doesn't exist, then the money has to bounce automatically. And, if it doesn't bounce, normally it's the sender first who asks their bank to trace the payment and forwards the tracing information to the recipient.

    If it belongs to a new person, the the 'old' bank can act only on the request the sender via the sending bank - that's how the procedure works that is currently in force.
  • JuicyJesus wrote: »
    Does this voluntary code apply to cases where the customer agrees they gave the correct instruction in good faith? It's my understanding that it only applies when the customer themselves has made a mistake.


    The agreement also isn't a blanket indemnity that must be adhered to in all instances. A payment was processed into the account of the individual it was intended for, not a random stranger.

    No, the customer can go to their bank for help recovering money if they have been provided with incorrect details.
    DEBT FREE!

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  • Jmoo
    Jmoo Posts: 361 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Interesting arguments! Three weeks have passed and they still say 'we haven't had the full details' and whenever we call them and reaffirm that they have the information they say 'we'll look into it'. Just logged an official complaint.

    Also apologies for confusion over Nationwide and Natwest.

    Fortunately she's kept a note of every phone call.
  • JuicyJesus
    JuicyJesus Posts: 3,832 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Jmoo wrote: »
    Interesting arguments! Three weeks have passed and they still say 'we haven't had the full details' and whenever we call them and reaffirm that they have the information they say 'we'll look into it'. Just logged an official complaint.

    Also apologies for confusion over Nationwide and Natwest.

    Fortunately she's kept a note of every phone call.

    Could you actually clarify: you said that the landlord's account was "defunct". By that do you mean:
    • it was closed by the landlord
    • it's open but the landlord doesn't want any money to go into it because he doesn't use it any more
    • it's open but the landlord doesn't want any money to go into it because it's overdrawn

    Because the outcome will differ depending on which one it is?
    urs sinserly,
    ~~joosy jeezus~~
  • pmduk
    pmduk Posts: 10,683 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Could it be that the landlord's 'closed' account was closed overdrawn and the OP's credit has just reduce that debit, hence the bank's refusal to return it?
  • JuicyJesus
    JuicyJesus Posts: 3,832 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    pmduk wrote: »
    Could it be that the landlord's 'closed' account was closed overdrawn and the OP's credit has just reduce that debit, hence the bank's refusal to return it?

    Hence the question. I think that's actually the case and therefore OP is onto a losing battle.
    urs sinserly,
    ~~joosy jeezus~~
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    JuicyJesus wrote: »
    Could you actually clarify: you said that the landlord's account was "defunct". By that do you mean:
    • it was closed by the landlord
    • it's open but the landlord doesn't want any money to go into it because he doesn't use it any more
    • it's open but the landlord doesn't want any money to go into it because it's overdrawn
    Jmoo wrote: »
    ...
    It was closed but ... it possibly has been reopened by someone else.
    ...................
  • Jmoo
    Jmoo Posts: 361 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Yes, I don't think it's active under the landlord's name.

    We aren't getting very far with Barclays they just seem to think we've not provided enough information, that's the frustrating part. Whenever you call them back they then accept they have all the information, and say they'll look into it.

    If they could be a bit more helpful so these questions can be better understood that would help understand the issue. We'll see where the complaint goes.
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