Unsolicited financial gift from former Credit card company

born_again

Twincarb said:

Highland76 said:

Drip drip drip...so it was Tandem after all? Only you will know if you ever paid the mortgage provider with your CC for whatever reason. So it looks like it wasn’t a gift after all

I am not saying which CC provider it was, there is no benefit in naming them.

So you come asking for help. 
Get advised to call bank but are not happy. Then call them and find the answer.
Yet are not prepared to help others who maybe in the same situation. Crazy.
Given you had to google Tandem we can rule them out.

adamp87

Reading the posts & the topic title being “unsolicited” (similar the unsolicited goods act) you are looking for a work around to keep the money & that’s the answer that you want.

I think most people would notice an unexpected credit in their account to be honest. 

Twincarb

born_again said:

Twincarb said:

Highland76 said:

Drip drip drip...so it was Tandem after all? Only you will know if you ever paid the mortgage provider with your CC for whatever reason. So it looks like it wasn’t a gift after all

I am not saying which CC provider it was, there is no benefit in naming them.

So you come asking for help. 
Get advised to call bank but are not happy. Then call them and find the answer.
Yet are not prepared to help others who maybe in the same situation. Crazy.
Given you had to google Tandem we can rule them out.

Yes I came asking for help and was pointed in the right direction on the legality of what I needed to do regarding a sum of money being paid into my account, I had already contacted my bank to find out where it had come from. I didn't have time to phone the CC company after that phone call. It is of no help to anyone who the CC company involved was. Certainly not when they have not done anything wrong, 

Twincarb

adamp87 said:

Reading the posts & the topic title being “unsolicited” (similar the unsolicited goods act) you are looking for a work around to keep the money & that’s the answer that you want.

I think most people would notice an unexpected credit in their account to be honest. 

You have assumed incorrectly. I wanted to know what the legal position was with regard to money being deposited into an account. If I was looking for a workaround I certainly wouldn't have been posting on the internet. I wouldn't have said anything.
As for the title its tongue in cheek:

unsolicited - not asked for; given or done voluntarily.

gift - a thing given willingly to someone without payment; a present.

1882

Personally I'd shove in a bank account and leave it there till they ask for it back as they paid it in error and only spend it after quite some time has passed (perhaps a year).

HopeAndDriftWood

1882 said:

Personally I'd shove in a bank account and leave it there till they ask for it back as they paid it in error and only spend it after quite some time has passed (perhaps a year).

They’d have up to six years to try and reclaim it from you. 

born_again

Twincarb said:

It is of no help to anyone who the CC company involved was. Certainly not when they have not done anything wrong, 

You are missing the common courtesy that is what forums run on.
Helping others. So anyone else asking, might find the answer or someone else reading this thread will know.
So while you say the CC has done no wrong, but how do you/we know this as you have not spoken to them. Only the bank that the funds were credited to and that they have confirmed that it is a CC you have dealt with.
Clearly they do not just hand out money with no reason. 

Twincarb

born_again said:

Twincarb said:

It is of no help to anyone who the CC company involved was. Certainly not when they have not done anything wrong, 

You are missing the common courtesy that is what forums run on.
Helping others. So anyone else asking, might find the answer or someone else reading this thread will know.
So while you say the CC has done no wrong, but how do you/we know this as you have not spoken to them. Only the bank that the funds were credited to and that they have confirmed that it is a CC you have dealt with.
Clearly they do not just hand out money with no reason. 

I posted earlier (page 3 comment 5) that I have spoken to the CC company and they informed me they received the payment from my Mortgage company.
I have thanked in a previous reply the post that allowed me to identify the legal position which allows anyone who is looking for a similar question over any unexpected payment into any bank which your responsible or party of which is the 1968 Theft Act - 24A Dishonestly retaining a wrongful credit which is page 2 comment 8.
So naming the CC company has absolutely nothing to do with the legal standing

Twincarb

So naming the CC company has absolutely nothing to do with helping or hindering anyone.
(Correction for the last sentence in my last post as it didn't make sense.)