Incorrect Standing order, Lost £800! sent 2 times, to the Wrong person! HELP

katesheet

Incorrect Standing order, Lost £800! sent 2 times, to the Wrong person! HELP

Hello have a distressing situation,

 can you please assist with as many questions as you can below

have had an injury so is a bit hard to get into bank, and  phone is giving issues.

Your answers would be appreciated xx

Only looked at statements yesterday and found this out (so this is a recent discovery).

Have to bank accounts, Nationwide and Natwest.

Last year had a standing order set up from Nationwide to Natwest, for £200 a month,

(was basically paying myself)


Nationwide ==> Natwest, £200 a month standing order.


In November 2022 went to branch to amend it form £200 a month to £400 a month, to the same Natwest account,

just new amount (£400) and different date (end of month)


and we have just checked out statements.

but when checking the bank statements of the past months of Natwest & nationwide
since then, 2 payments of £400 have left our Nationwide account,
but that amount is Not showing in the Natwest account.  so they are going elsewhere!


Few other things

* and The Nationwide Original standing order of £200 is STILL going out

* so £200 and £400 are going out as 2 separate standing orders.

* I think he seemed to set up a NEW standing order, to a complete another persons' Natwest account,

* Only looked at statements yesterday and found this out (so this is a recent discovery).

This standing order was done in the nationwide branch/ while phsyicaly there in person in Nov 2022.

We have a printout of the standing order, and it shows the Payee is a Natwest sort code, but the account number is not ours,  
and the £400 a month is not showing on the statements.

I do not recognize the account number the standing order goes to.


so another Natwest customer has received £400 (Dec) and £400 (Jan) by mistake.


It seems the cashier who set it up typed in the 'wrong' account number,

When we were at the bank (In November 2023 to amend this)
He gave us a paper printout of the New standing order details.
there is no signature on that paper;

and they just passed us the paper, and didn't ask is everything fine?


so the £400/month is going to somebody else’s

(they have £800)  2 x £400  

£400 (Dec) and £400 (Jan) by mistake.

have had an injury so is a bit hard to get into bank, and my phone is giving issues.

but just wanted to ask.

We are mainly concerned about the loss of the £800, which seems to have ended up somewhere else?


1a) What would the bank Nationwide typically do about this, when looking into it?

would they 'stop' the standing order,

1b) and will they correct it and pay me back the £800 which has gone out incorrectly?

Is there a way of finding out, by Nationwide- where the £800 has actually gone? to whose account?

2) Would this be classified as a bank clerical error, where the cashier did it wrong/incorrectly?

3) When setting up the standing order..
but there was no question of the persons 'name' to who the new standing order was going to
(although I thought  it was going to me),  shouldn't the cashier have Seen the payee name was different to my name?

4) Would we need to go into Natwest and get them to check the persons sort code & account number, to look at who that person  
is who received the £800 ?

5) would nationwide find out and trace the incorrect destination of where they £800 has gone,
and refund it back to us?

6) From what I have said, what do you think the chance of me getting the £800 back are?

7) If  the person who has received the £800, if they release £800 unexpectedly is in their account, and the keep it/spend it…

would that make it harder to get back?

Or Nationwide is a big enough bank, they will be able to reimburse the money back?

8) Has this same thing happened to you? what was your story & outcome?

9) Were they helpful and gave the money back?

10) Do you work in a bank, and can shed some more light on the situation?

11) If you are a bank staff member, any other info/pointers?

12) Any other things you can point  out, to help me get the £800 back?

Thanks

Can you answer the above questions in the format, 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) 11) 12) for easy reassurance

Please answer as many as you can, please?  

 to give reassurance as losing £800 is not very nice x, especially with the price of everything increasing.

Your answers would be appreciated xx

Kate xx

ADDED:

Main question is -Will the bank Natiowide: pay me back the £800 which has gone out incorrectly ?

katesheet

Incorrect Standing order, Lost £800! sent 2 times, to the Wrong person! HELP

Hello have a distressing situation,

 can you please assist with as many questions as you can below

have had an injury so is a bit hard to get into bank, and  phone is giving issues.

Your answers would be appreciated xx

Only looked at statements yesterday and found this out (so this is a recent discovery).

Have to bank accounts, Nationwide and Natwest.

Last year had a standing order set up from Nationwide to Natwest, for £200 a month,

(was basically paying myself)


Nationwide ==> Natwest, £200 a month standing order.


In November 2022 went to branch to amend it form £200 a month to £400 a month, to the same Natwest account,

just new amount (£400) and different date (end of month)


and we have just checked out statements.

but when checking the bank statements of the past months of Natwest & nationwide
since then, 2 payments of £400 have left our Nationwide account,
but that amount is Not showing in the Natwest account.  so they are going elsewhere!


Few other things

* and The Nationwide Original standing order of £200 is STILL going out

* so £200 and £400 are going out as 2 separate standing orders.

* I think he seemed to set up a NEW standing order, to a complete another persons' Natwest account,

* Only looked at statements yesterday and found this out (so this is a recent discovery).

This standing order was done in the nationwide branch/ while phsyicaly there in person in Nov 2022.

We have a printout of the standing order, and it shows the Payee is a Natwest sort code, but the account number is not ours,  
and the £400 a month is not showing on the statements.

I do not recognize the account number the standing order goes to.


so another Natwest customer has received £400 (Dec) and £400 (Jan) by mistake.


It seems the cashier who set it up typed in the 'wrong' account number,

When we were at the bank (In November 2023 to amend this)
He gave us a paper printout of the New standing order details.
there is no signature on that paper;

and they just passed us the paper, and didn't ask is everything fine?


so the £400/month is going to somebody else’s

(they have £800)  2 x £400  

£400 (Dec) and £400 (Jan) by mistake.

have had an injury so is a bit hard to get into bank, and my phone is giving issues.

but just wanted to ask.

We are mainly concerned about the loss of the £800, which seems to have ended up somewhere else?


1a) What would the bank Nationwide typically do about this, when looking into it?

would they 'stop' the standing order,

1b) and will they correct it and pay me back the £800 which has gone out incorrectly?

Is there a way of finding out, by Nationwide- where the £800 has actually gone? to whose account?

2) Would this be classified as a bank clerical error, where the cashier did it wrong/incorrectly?

3) When setting up the standing order..
but there was no question of the persons 'name' to who the new standing order was going to
(although I thought  it was going to me),  shouldn't the cashier have Seen the payee name was different to my name?

4) Would we need to go into Natwest and get them to check the persons sort code & account number, to look at who that person  
is who received the £800 ?

5) would nationwide find out and trace the incorrect destination of where they £800 has gone,
and refund it back to us?

6) From what I have said, what do you think the chance of me getting the £800 back are?

7) If  the person who has received the £800, if they release £800 unexpectedly is in their account, and the keep it/spend it…

would that make it harder to get back?

Or Nationwide is a big enough bank, they will be able to reimburse the money back?

8) Has this same thing happened to you? what was your story & outcome?

9) Were they helpful and gave the money back?

10) Do you work in a bank, and can shed some more light on the situation?

11) If you are a bank staff member, any other info/pointers?

12) Any other things you can point  out, to help me get the £800 back?

Thanks

Can you answer the above questions in the format, 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) 11) 12) for easy reassurance

Please answer as many as you can, please?  

 to give reassurance as losing £800 is not very nice x, especially with the price of everything increasing.

Your answers would be appreciated xx

Kate xx

ADDED:

Main question is -Will the bank Natiowide: pay me back the £800 which has gone out incorrectly ?

Robin9

Have you been back to Branch ?

It's an error and Nationwide are the only ones who can sort it and answer your questions.

grumbler

1) if it's not your account, then:

Sent money to the wrong bank account? Now it should be easier to ...

Yes, they will stop if you ask them.

2) This depends on what really happened.

3) No. See MSE article.

4) They will tell you the sort code and the account number. The rest depends.

5) guess yourself

6) very hard unless they agree to return the money

7) only if it was their error

8) you tell us

Some recent threads:

Wrong Transfer - Help!

Monzo have taken my money following advice from HSBC

[Deleted User]

Did you not confirm when they gave you the paper? 

First you need to tell your bank to stop the SO

Then you have to go to the receiving bank and ask if they can trace the money, it may have gone to a holding account if the account does not exist where it was sent.

Jami74

katesheet said:

would they 'stop' the standing order,

Can't you cancel the standing order in the app/online? I'd want it cancelled before Februarys goes out.

HampshireH

would they 'stop' the standing order,

1b) and correct it and pay back the £800 which has gone out incorrectly?

Is there a way of finding out, by Nationwide- where the £800 has actually gone? to whose account?

1b) Yes

Go to your web banking and amend it. It will show you where it is going as well

You can do this yourself now.

katesheet

grumbler said:

1) if it's not your account, then:

Sent money to the wrong bank account? Now it should be easier to ...

Yes, they will stop if you ask them.

2) This depends on what really happened.

3) No. See MSE article.

4) They will tell you the sort code and the account number. The rest depends.

5) guess yourself

6) very hard unless they agree to return the money

7) only if it was their error

8) you tell us

Some recent threads:

Wrong Transfer - Help!

Monzo have taken my money following advice from HSBC

 

Thanks everyone

Grumbler that link shows an article

 

"Now it should be easier to get it back

https://www.moneysavingexpert.com/news/2016/01/sent-money-to-the-wrong-bank-account-now-it-should-be-easier-to-get-it-back/

that says, for Bacs payments and faster transfers.

does it also mean 'easier' for standing orders too, (to get money back? )

Thanks xx

......

Main question is -Will the bank Natiowide: pay me back the £800 which has gone out incorrectly ?

grumbler

Standing order is a faster payment.

katesheet said:

Main question is -Will the bank Natiowide: pay me back the £800 which has gone out incorrectly ?

You have already asked this and the answer was - it depends on whose fault it was. If it was your fault, then I don't think Nationwide will pay you out of their pocket.

In this case this depends on whether the person who received the money agrees to return it.

Ed-1

katesheet said:
Main question is -Will the bank Natiowide: pay me back the £800 which has gone out incorrectly ?

They will if they agree that it is their error. Either way Nationwide need to action a "payment in error" request to Natwest to dispute the funds in the Natwest account. Natwest will then ask their account holder (if it belongs to someone) to either agree to return the wrongfully directed funds or prove their entitlement to them. But if it's clear it's Nationwide's error this will be their problem, not yours.

km1500

Call Nationwide - get the SO stopped, explain what happened, ask for help

If you 'phone is giving issues' borrow a phone there is a freephone number