Over payment from foreign exchange company

simandom

Pollycat said:

I don't understand why the OP didn't count the money as soon as it was handed over.

I don't understand why the niece didn't check that the money she was given was actually meant for her as it was 5 times the amount the OP intended to gift. There must be some sort of precedent to the amount usually gifted.

I give my niece and nephew a similar amount for birthdays and Christmas and I'm pretty sure that if they got £1000 instead of £200, they'd check with me before spending it.

I gift from anywhere up to 2k. 17th birthday was 2k for a car. She has lost her dad so I am that sort of role for. I am her godfather so there 

simandom

born_again said:

simandom said:

la531983 said:

Aye, a 20 year old waiting until getting all the way to the hotel before attempting to get wifi or mobile signal, people that age have their phones welded to their hands, surely the airport has Wifi. Or even the shop where she went and spent 900 dollars between the airport and the hotel, had all her luggage in the shop with her?

Something isnt right here.

i do not think it is unusual, it would have been ridiculously expensive to use her data and roaming. I have not asked her but I believe she got the camera at the airport as I have done previously when i went to Australia in my youth

I would expert an airport to have plenty of WiFi.

I have never logged on to airport internet. You’re obsessed with the internet . She did not log on until she got to the hotel. What else can I say 

simandom

LightFlare said:

simandom said:

Hello all, I'm seeking advice here.

I am going to be honest there is no chance i am going to ask her to return the camera and will not be able to pay back the full amount within those time scales without taking a loan which will have a negative effect on my credit score which I do not wish to do for obvious reasons

   

Well the OP appears to have accepted/admitted they have received 10x more than requested and the bureau appear to have identified the OP as having received 10x more than requested

If you really want to be honest -- pay it back somehow - ask for a payment plan as already suggested

Yes they clearly did pay me the extra. They are demanding it back by 4 th December which I just can’t do 

Aylesbury_Duck

simandom said:

LightFlare said:

simandom said:

Hello all, I'm seeking advice here.

I am going to be honest there is no chance i am going to ask her to return the camera and will not be able to pay back the full amount within those time scales without taking a loan which will have a negative effect on my credit score which I do not wish to do for obvious reasons

   

Well the OP appears to have accepted/admitted they have received 10x more than requested and the bureau appear to have identified the OP as having received 10x more than requested

If you really want to be honest -- pay it back somehow - ask for a payment plan as already suggested

Yes they clearly did pay me the extra. They are demanding it back by 4 th December which I just can’t do 

Well you're going to have to ask that they set up a payment plan, then.  All the evidence is there that you were given the money in error, and you acknowledge that.  Unless they drop it, you're going to have to pay it back somehow.

simandom

Aylesbury_Duck said:

simandom said:

LightFlare said:

simandom said:

Hello all, I'm seeking advice here.

I am going to be honest there is no chance i am going to ask her to return the camera and will not be able to pay back the full amount within those time scales without taking a loan which will have a negative effect on my credit score which I do not wish to do for obvious reasons

   

Well the OP appears to have accepted/admitted they have received 10x more than requested and the bureau appear to have identified the OP as having received 10x more than requested

If you really want to be honest -- pay it back somehow - ask for a payment plan as already suggested

Yes they clearly did pay me the extra. They are demanding it back by 4 th December which I just can’t do 

Well you're going to have to ask that they set up a payment plan, then.  All the evidence is there that you were given the money in error, and you acknowledge that.  Unless they drop it, you're going to have to pay it back somehow.

I do acknowledge I will have to pay it back but feel it’s all been out of my control and now I owe this large amount 

PHK

It's very difficult to give advice here as the situation seems to change subtly (which may be that the OP is not good at communicating rather than is fabricating). 

Additionally, the circumstances rely on such an unlikely course of events and lacks the detail you'd expect. 

For example, if I had asked for $200 dollars and had a receipt for $200 but was then told I'd been given $900 I would be robustly requesting evidence which I would then evaluate. 


However, taking the OP at face value (that they admit they had more than they paid for but through their own inaction they didn't realise that they did) then they have have two choices: Pay back the money or wait to be sued. 

photome

simandom said:

eskbanker said:

lincroft1710 said:

Ergates said:

How does someone who works all day in a currency exchange miscount by $900?

Even when I've exchanged £100 into Euros before they've double counted it.

It sounds as if instead of giving out 100 x $1 bills, they gave out 100 x $10 bills

OP claims to have seen 70 $1 bills being counted out - having said that, the lack of size or colour differentiation between denominations of dollar bills must increase the risk of that sort of thing happening....

NO they still gave me the $150 in one dollars i asked for. That's why i did not think the bundle of cash was large 

Is there where your story falls apart ?  You said you didn’t know what you got after the 70x $1

Aylesbury_Duck

simandom said:

Aylesbury_Duck said:

simandom said:

LightFlare said:

simandom said:

Hello all, I'm seeking advice here.

I am going to be honest there is no chance i am going to ask her to return the camera and will not be able to pay back the full amount within those time scales without taking a loan which will have a negative effect on my credit score which I do not wish to do for obvious reasons

   

Well the OP appears to have accepted/admitted they have received 10x more than requested and the bureau appear to have identified the OP as having received 10x more than requested

If you really want to be honest -- pay it back somehow - ask for a payment plan as already suggested

Yes they clearly did pay me the extra. They are demanding it back by 4 th December which I just can’t do 

Well you're going to have to ask that they set up a payment plan, then.  All the evidence is there that you were given the money in error, and you acknowledge that.  Unless they drop it, you're going to have to pay it back somehow.

I do acknowledge I will have to pay it back but feel it’s all been out of my control and now I owe this large amount 

Approach them with a solution, i.e. a payment plan of some sort.  Far better for you to take control of the situation and propose repayments that you can afford, rather than hoping it goes away and they start debt recovery or sue you.  All that will do is add costs to the debt.

pinkshoes

This story doesn't seem quite right...

Surely when they counted it out they spotted the mistake? It's a huge difference.

But nevertheless,  you have accepted that you were given the wrong amount, and need to pay it back. Offer them a payment plan of say £200 a month. They'd be stupid to take you to court if you are already offering to pay it back at a reasonable rate.

You can't blame your niece for spending it when you've given large sums of money in the past and didn't bother to check it when they were counting it out or before putting it into the envelope you bought.

flaneurs_lobster

An aside, buying tech when overseas can cause problems if a fault develops, guarantees and any consumer protection in law will normally require the return of the item to the point of sale.