Faster Payment I messed up.

smithers1981

Tried buying tickets from someone on twitter!  Sent money via faster payment then got blocked.

silly mistake £130 down do I have any right to claim back?

I have senders name and account details as well as transcript.

spoke to my bank Santander who told me couldn’t help was actually quite rude.

100% was a stupid thing to do but I thought there was protection now in place and I may be able to claim money back?

soolin

smithers1981 said:

Tried buying tickets from someone on twitter!  Sent money via faster payment then got blocked.

silly mistake £130 down do I have any right to claim back?

I have senders name and account details as well as transcript.

spoke to my bank Santander who told me couldn’t help was actually quite rude.

100% was a stupid thing to do but I thought there was protection now in place and I may be able to claim money back?

Bank transfers are rarely able to be recalled - but did you get any warning from your bank at all when making the transfer? There are some voluntary codes which most high street banks signed up to, but they usually get round by putting in an automated message about knowing the person you are sending money to as payments can't be reclaimed. 

eskbanker

You'd need to convince Santander that it was a scam, and they may deduct a £100 excess if they agree to refund:

https://www.santander.co.uk/corporate/beyond-banking/support-and-advice/help/fraud-prevention/how-we-manage-claims-for-authorised-push-payment-app-fraud

https://www.moneysavingexpert.com/news/2024/10/bank-transfer-scam-refund-rules/

Edit:

soolin said:
There are some voluntary codes which most high street banks signed up to, but they usually get round by putting in an automated message about knowing the person you are sending money to as payments can't be reclaimed. 

As quoted above, this used to be dealt with under a voluntary code, but it's been mandatory for all since last October.

smithers1981

Thanks I’ve lodged a complaint Lady wouldn’t open complaint said ‘I am your bank’ was very rude and not at all interested.

i sent money in order to obtain tickets I was duped not sure if this is a scam.

completely foolish of me I’m 43 and getting stupider 

smithers1981

Just read the link it seems i do have a claim customer service lady didn’t or wouldn’t take it just said because faster payment nothing she/bank could do.

written off money but hope my complaint upheld and I get a little back 

kazwookie

Ring back and ask to speak to someone else.

SiliconChip

What would the basis of your claim be? In my experience Santander have one of the strictest set of warning when making a payment, and even more so when setting up a new payee, so if you went ahead despite seeing all those warnings I'm not sure what else they could have done to protect you from yourself. Now, for £130 they may just make a goodwill payment of some or all of the amount rather than bear the cost of a FOS investigation, but I can't see that they should have any liability.

PS As you have the payees name and address why not just make a claim for the return of your money?

https://www.moneyclaim.gov.uk/web/mcol/welcome

TheSpectator

To be blunt it's this sort of madness that actually makes you feel sorry for the banks that may have to reimburse such crazy behaviour.

How many warning messages did you bypass before the money was sent?

Markmywords

Not sure how easy it will be to get the bank transfer refunded. Contact the seller and tell them you will start a small claims against them. 

Brie

Frankly at this point I would be complaining about rude customer service.  There's no proper excuse for it. 

(I do know that people in call centres are subject to substantial abuse by angry customers and shouldn't have to put up with that.  And as a result some will snap.  But also I really do know some people should never be allowed to work in call centres as they have absolutely no manners or other social skills.)

M25

smithers1981 said:

completely foolish of me I’m 43 and getting stupider 

That's something you can work on as you head to 50

Seriously, if you have sent money to someone and they have not provided the goods it may be theft. Not sure the police would be interested but I would try if only to give the scumbag a scare. The police would also give you a crime reference number I assume. I think it's still a crime to steal from someone the last I looked.

Getting back to your bank may help but don't blame them it's the fault of the scumbag and you of course.

Horrible situation but maybe an incredibly cheap lesson.