Bank transfer query

jonnygee2

Here is a report of a similar scam someone sending money to a third person's account not quite the same

One small difference is in this case they got hold of HIS security details and transferred money OUT of his account. Had the florist transferred it back to the same account there would not have been an issue.

jonesMUFCforever

jonnygee2 wrote: »

No sorry, this is poppycock.

In this instance the bank will only ringfence the money. They cannot send it back to the receiver until a) they have investigated the potential financial crime and reported it to the NCA, and b) gotten the go ahead from the NCA to return the funds - a process that takes several weeks.

They will not debit your account, they will block your entire account and then ring you up about 'random verification checks' or some such information. If you provided evidence that the transaction was not fraudulent, they would unblock your account.



Generally, when someone manages to hack an account, they send the money to an account they have control over. This is not a recognised pattern of fraud and a fraudster would have nothing to gain from this course of action.



You can't chargeback a bank transfer! Utter nonsense.


@ OP - just send the money back to the sender, then message them saying as no response, money is returned. And, just in case, keep hold of the evidence for where it came from and why it was sent back, although I don't see any reason to worry.

How do you send back the money? The OP does not have the sender's bank details and these are not part of any faster payment reference?
The only way to return the funds (unless the bank returns it) is for the originator to ask for it back and then you are open to a scam as I originally posted - you have no way at present to verify that the sort code and account number given is for the right person.

jonnygee2

The OP does not have the sender's bank details and these are not part of any faster payment reference?

My bank (Monzo) shows the account number and sort code of incoming bank transfers, as do many banks. If your bank do not you can always ask the bank for it.

henm2

For faster payments in (bill payments in) you can always find out from your bank the sort code and account number the funds came from.