Chaps transfer not received

mzahid83

Dear Mr Fryer,

Could you please call Santander On 0800 731 6666 or Visit your local branch regarding a recent international payment..

jonesMUFCforever

''Swift message'' suggests an International payment?
Can you confirm both sides of this transfer are based in UK?

xylophone

Apacs 

Association for Payment Clearing Services?  Long gone?

mzahid83

jonesMUFCforever said:

''Swift message'' suggests an International payment?
Can you confirm both sides of this transfer are based in UK?

Hi yes the solicitors are premier property lawyers and there account was in the uk and my santander account is also in the uk. 
Another strange thing that happened after I complained was I got an email shortly after from Santander saying 

Dear Mr Fryer,

Could you please call Santander On 0800 731 6666 or Visit your local branch regarding a recent international payment..

My names not even mr friar. I called the number and they wanted to know the amount and the reference number there was so much confusion.
It was a genuine santander phone number and he said they will find the money.

Thrugelmir

CHAPS is actioned by the bank not the solicitors. Would have missed the cut-off for processing on Monday. Transfer would have been effected this morning. If you didn't tell the bank that the money was on the way. May well have been caught in the banks internal systems. 

jonesMUFCforever

It is not completely unheard of mistakes in inputting either the sort code or account number in processing a CHAPS payment.
If a mistake did happen the payment should bounce back to the sender - if not then Santander is sitting on it pending an investigation as to whom it actually belongs.

mzahid83

Thrugelmir said:

CHAPS is actioned by the bank not the solicitors. Would have missed the cut-off for processing on Monday. Transfer would have been effected this morning. If you didn't tell the bank that the money was on the way. May well have been caught in the banks internal systems. 

No I didn't tell my bank. I would have expected them to.be able to see where it was though if that was the case. I even went into a branch in manchester and the branch manager assured me the money hadn't touched the account. 

mzahid83

jonesMUFCforever said:

It is not completely unheard of mistakes in inputting either the sort code or account number in processing a CHAPS payment.
If a mistake did happen the payment should bounce back to the sender - if not then Santander is sitting on it pending an investigation as to whom it actually belongs.

The account number and sort code on the remittance and the swift message proof that I was sent are correct. If rbs have sent it to the wrong account is it there job to get it back ? Basically what I'm asking is could I lose my money? I'm stressed as its my lifes savings there.

studentsaver_889

I had similar issue with santander but as the sender. They were incompetent and was sticky for fraud checks

mzahid83

studentsaver_889 said:

I had similar issue with santander but as the sender. They were incompetent and was sticky for fraud checks

How long did it take to get resolved ?

jonesMUFCforever

No you will not lose your money - indeed, by now you could be coming on here to say it has been resolved?