bank error - free money?

MABLE

My advise is let your conscience be your guide but think of the cashier who has made the mistake. How would you feel to have mislaid £200.

dunstonh

Or give it to charity and in a few weeks when the bank correct the error and debit it back from you, you will be happy you personally made a charitable contribution.

IamNotOneOfTHEM

bandido wrote: »

I went into the bank today to ask them to transfer £200 into my other account, but changed my mind halfway through the transaction and asked to withdraw it in cash instead.

Later when I checked my balance, I found that the transfer had in fact been done and my other account was credited with the £200 that I'd also been given in cash.

Under normal circumstances I would be inclined to let them know of their error, however I'm pretty hard up at the mo and that small windfall would be useful.

So my question is, do you think they will notice?

cheers

James

* Withdraw all money
* Close account
* Open account with another bank

PasturesNew

I got £760 "free" in about 1988ish

I wanted to buy a mobile home (house prices were WAY out of my reach!)
And I had £760 in savings. But back then only a very few lenders would offer a personal loan for a mobile home. Needed 20% down and to be asking the right people.

So I found out who the right people were and decided to put my money with them so that when I found a mobile home, I'd stand a better chance.

So I took my passbook into a branch of a BS to close the account down. I was offered two options:
1] Take the £760 as a cheque now - and we will post you the interest later
2] Take £0 now and we will send you a cheque for the savings + the interest in a few days

I wanted to go and open an account with the BS that did offer personal loans on mobile homes, so I chose option 1 and left the BS with a cheque for £760 in my hand ....

Less than 2 weeks later a cheque arrived in the mail for £820 .... should have been about £60. So I banked it.

Never heard another word from them.

I figured I'd keep the money to one side for 6 years - and if they'd not asked for it by then it was mine

So ner....

... and never DID hear a word!

RayWolfe

How clever of you!
Nicked anything from Woolworths recently?

oldagetraveller

bandido wrote: »

I'd say stealing from the banks to give to charity is a good thing!

But it's not stealing from the bank(s) is it? It's other customers' money.
How would you react if a deposit intended for you was made in error to another account? The recipient withdrew the money , closed their account and told the bank to sod off when they asked for it back.
Also same question to the really clever PasturesNew - ner.

rjm2k1

oldagetraveller wrote: »

But it's not stealing from the bank(s) is it? It's other customers' money.

It's hardly going to affect other customers is it, but it's still theft, accidental or not. Giving to charity isn't the answer, do you really think a charity wants to benefit from the proceeds of a crime?

squashy

Think of the girl behind the till who probably had to stay behind until 6:30pm going through her transaction slips to find the missing money, the head cashier who would have to stay with her to close the finances system down and the branch manager who had to wait to lock up!

ramborai1987

its alrite i used to do that for a living when i was younger. me and my mate, i used to go in and he used to be behind the till. few hundred pocket money each week, just enough to feed me and buy some designer clothes every week.

get money, make paper

oldwiring

dunstonh wrote: »

Or give it to charity and in a few weeks when the bank correct the error and debit it back from you, you will be happy you personally made a charitable contribution.

And even more happily and graciously accept the charge on the account for an unauthorised OD and unpaid cheques/DDs. TBH :rotfl:thinking of the :eek:s.

Oh for the banks to clear the Augean stables.