Giving Somebody your Bank Details ?

mardatha

Husband's car was hit by another car that slid on ice. Nice man exchanged details - his name and phone number but not insurance- and said to get a quote and he would pay the bill. He wants to pay direct into our bank, asked for our acc number etc. Is this safe?

glentoran99

He cant do anything with them so yes, but personally I would wary and go through insurance

EssexExile

Account number & sort code are on your cheques & debit card, anyone can see them. There's no problem.

keiran

I see no problem, either, although the more paranoid may want to bear in mind that it is theoretically possible to set up direct debits using someone's bank details. This is why it's important to review one's list of direct debits online regularly

mardatha

Well if 3 of you knowledgeable people say it's ok then I believe it's ok. Thanks!

Ballard

I've never used it but if your husband links his mobile number to his current account then it's possible to use PAYM whereby someone pays from their current account to yours just using the phone number.

anotheruser

Be wary of chargebacks too.

Whether that's the right term I don't know but these days, even bank transfers can be reversed whereas a couple years ago - impossible!

glentoran99

anotheruser wrote: »

Be wary of chargebacks too.

Whether that's the right term I don't know but these days, even bank transfers can be reversed whereas a couple years ago - impossible!

Since when?

Voyager2002

"Nice man" is evidently concerned to protect his no-claims bonus, and I suppose that if the accident were to go on the record your motor insurance might also be affected. However, isn't there a legal requirement to report accidents to the police?

Do bear in mind that if any damage (to the car or to husband) were to come to light at a later date, then not involving insurance would mean that you would bear the entire cost for yourselves -- and physiotherapy is not exactly cheap!

To agree with the others, however, giving your bank details is safe.

glentoran99

Voyager2002 wrote: »

"Nice man" is evidently concerned to protect his no-claims bonus, and I suppose that if the accident were to go on the record your motor insurance might also be affected. However, isn't there a legal requirement to report accidents to the police?

Do bear in mind that if any damage (to the car or to husband) were to come to light at a later date, then not involving insurance would mean that you would bear the entire cost for yourselves -- and physiotherapy is not exactly cheap!

To agree with the others, however, giving your bank details is safe.

Police no, insurance yes

agrinnall

glentoran99 wrote: »

Since when?

Since never, as you and I know but some people on here don't, despite trying to show that they are cleverer than they actually are.