sending money to icorrect payee

Yorkshirerover

the CASS info is interesting but the fact is once I knew of the payment not arriving I cancelled the original details(albeit now incorrect)and started again but this time double checking the details after the banks validation...everything ok...made the payment and the payee confirmed straightaway the money hade been received....as it should have been the first  time.....Perhaps it is significant that by this time Nationwide were aware of my problem

penners324

Checked the original email?

flaneurs_lobster

I hope you had the original (incorrect) payment reversed into your account before you paid out again. Wouldn't want to be paying the bank account shifter more than once.

Are we talking a sum of money that would make possible fraudulent activity worthwhile?

Yorkshirerover

to answer most of the comments ....the title for the payee was never incorrect only the sort code and bank acc no ....I contend that the Nationwide confirmed the title and because the sort/acc codes did not match changed the detail to suit their valdation check.....very dangerous if you are not aware
Nationwide have said the money will be returned in around 21 days 

AmityNeon

Yorkshirerover said:

NO  No ...I set up the details correctly from the payees info ....but the payment was made to an unknown acc ...only after being told the money had not been received .....did I check and found that the bank detail although incorrect was for another local bank(HSBC)  whereas the correct bank was Nat West....

How did you check? How did you find out the account was for a local HSBC?

Yorkshirerover said:

the payee then confirmed that the company had an old discontinued account with HSBC but they had not used it for months

So the incorrect account doesn't even belong to them?

Yorkshirerover said:

further checked my payees details with my Nationwide acc and they were showing the HSBC incorrect details....which were different to those I originally set up ......only Nationwide could have altered these details which of course they now deny

With Nationwide online banking, it's possible to create new payees without sending money. Did you use the app?

flaneurs_lobster

But, but, they don't confirm on name, they find the sort code/account no and then warn/reject on name. Why would they reject/amend your original inputs if they were correct? Where would they get the incorrect/old account details from to amend your submission?

Nah, I'm with Nationwide on this one.

AmityNeon

Yorkshirerover said:

to answer most of the comments ....the title for the payee was never incorrect only the sort code and bank acc no ....I contend that the Nationwide confirmed the title and because the sort/acc codes did not match changed the detail to suit their valdation check.....very dangerous if you are not aware

Dangerous if true, but you haven't provided sufficient details to prove it. Your story is inconsistent because now you're claiming your original input "did not match", so are the emailed bank details erroneous if they fail Confirmation of Payee checks, or did you not accurately create the payee?

eskbanker

Yorkshirerover said:

to answer most of the comments ....the title for the payee was never incorrect only the sort code and bank acc no ....I contend that the Nationwide confirmed the title and because the sort/acc codes did not match changed the detail to suit their valdation check.....very dangerous if you are not aware
Nationwide have said the money will be returned in around 21 days 

Are you seriously suggesting that Nationwide somehow searched for a different account for the same person (or maybe even a company with which they're associated) and substituted that account's details in lieu of those for the one you entered?  How would that work, even if the person's name was completely unique?

Yorkshirerover said:

the payee then confirmed that the company had an old discontinued account with HSBC but they had not used it for months

Was this account actually closed (as you said previously) or simply not being used?

AmityNeon

wmb194 said:

Isn't this all a bit moot? If it's been transferred to a closed account shouldn't it bounce back at some point? The only problem is if that if the business you tried make the transfer to owed money to that bank it might retain it.

It would be that simple if it was just a case of user error, but the claim here is bank error(s):

• Nationwide detected a failed Confirmation of Payee (but didn't inform the user), so they changed the sort code and account number to something that matched, which just happened to be a local but closed (or discontinued) HSBC account. This scenario also relies on erroneous bank details being supplied by email and/or user error in payee creation, because HSBC and NatWest are part of CoP (so all genuine accounts should pass verification).
• Confirmation of Payee checks passed, but Nationwide decided to change the bank details anyway to another verified account belonging to the account holder's name.

After the incorrect payee was created as a result of some errors above, the errors were somehow discovered, and the payee was deleted. Another payee was then created using exactly the same details and everything behaved as expected.

Yorkshirerover

Just to recap Nationwide sent this money to an account where the title was correct but the sort code and acc no were different to that inputted....Neither I or the payee provided or even knew  these details....only after checking did I find out that the sort code belonged to a local bank and then the payee said that they once had an account with that bank but closed because of poor service
Who but the bank could have put this information into the payment instruction    it all sounds incredible but I am computer literate and worked with computer systems for many years in my employment....and computer programmes can be badly written