Bank Error In My Favour From "Night Safe"

GoodMonkey

On my statement I have showing £100 paid in at a night safe.  No one, as far as I know, has credited this to me.  I have phoned the bank (main number) they couldn't tell me where in the country it was paid in.  I said that someone must know.  They, when i insisted, put me through to "Disputes dept" they told me the same. They told me to ask at my branch, my branch had just closed down, so I can't go and ask them.  I gave up.  Someone might be missing £10 they desperately need because they made an error.  What more can I do to find out which Night Safe in the UK was used and get this to its rightful owner? 

GoodMonkey

Sorry, that should say "someone might be missing £100 they desperately need"

colsten

even if you knew which night safe it's been paid in at, you'd still not know who paid it in. Ask your bank to remove the credit from your account and leave it to them to sort out whatever there can be sorted out

molerat

The only thing you can do is raise a complaint.  Somewhere in the bank's system there must be an entry as to where the deposit was made even if the container was emptied by a security van and processed remotely.

MalMonroe

Is it £10 or £100? Whichever it is, you could put it to one side - for example my current account allows me to sweep money into my savings account - and see what happens.

You seem to have (very kindly) done as much as you can to trace the source of the money. All you can do now is hang on to it and see what, if anything, happens. 

Shakin_Steve

Don't plan on keeping it or, next time round, you might get the go to jail card. 😊

pbartlett

i would just wait - someone almost certainly will complain to the bank their money is missing and the matter will get resolved.

GoodMonkey

Hello everyone.  Thank you for all the help.  Red face coming up...Since I posted this a friend that used to work in banking said "It won't be the nightsafe in the bank wall; hey don't use that term.  It will be a company using that as their payment name that shows up on the statement"  Then I remembered that some time ago I had been notified by post that I had won £100 on a charity Spring lottery!  So it is mine after all! Thanks again, I'm off to buy some more lottery tickets from them

GoodMonkey

Shakin_Steve said:

Don't plan on keeping it or, next time round, you might get the go to jail card. 😊

Grumpy_chap

Good that the OP got this sorted, but as a caution for anyone reading the thread, if you receive a credit that is unknown, beware of being subsequently contacted by the company "Night Safe" (or whatever) saying they made a mistake and asking for the money to be refunded.  I have heard of scams where the company can then empty your account once you did the refund.  No idea how, but just to be aware.

Fortunately, not the case for the OP

phillw

Grumpy_chap said:

I have heard of scams where the company can then empty your account once you did the refund.  No idea how, but just to be aware.

The usual scam these days is to get you to install remote control software to be able to process the refund, so that they have access to your computer.

Having to authenticate payments to new payees has some hurdles. So what they normally do then is to pick one of your payees, send them a payment (as banks will usually allow payments to existing payees without having to authenticate using a card reader etc) and then they phone them and trick them into sending the refund for that transaction to a different account by pretending to be you.

They don't need many people to fall for it before they are making enough money to run the operation.

Most of the scammers seem to have moved over to fake amazon orders for expensive items or prime subscriptions and they want to panic you into calling them because you don't want to pay for someone elses iphone, but instead they'll hack into your computer by installing remote access software like anydesk. Nobody needs to install software on your computer to issue you a refund.

https://www.youtube.com/watch?v=NB2nUdSQvJM

Also if someone says "I'm phoning from open reach" then they are a scammer as end users can't talk to open reach, even when they want to and it would be beneficial to the end user and open reach.