I gave her £470, and £570 appeared in my account, woo!

Beansprout said:
lol, people say the banks are evil and loads of people here are advocating stealing. Love it :p
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quoted for truth :)

Plus if people despise banks and building societies so much, why don't they just keep their money under their mattress...? That way, those evil banks aren't making any money from you whatsoever.
 
newbidood said:
Been with my bank for 20 yrs, they've always been brilliant, but just remeber they are out to get as much cash off you as possible. Hence they borrow off you ( your acct balance ) at a stupidly low interest rate. Then you borrow off them ( loans etc ) at about 1000% more interest.

The banks probably made 10 times more cash off you than they gave you by accident. By the time they've finished putting everyones acct details in bin bags at the back of the brance that night it would have all been forgotten.
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Isn't that the name of the came for a company though? Maximise its shareholders wealth?

I disagree with claming back bank charges as it was in the damn contract,you broke the contract so you pay the fine. It's not as though it is actually an unfair contract(which the courts thought it was?)

I had to go pay money into my mums account to cover some bills that were coming off. I took a slip of paper with two seperate sort codes and account numbers,handed it over and said how much and what account each amount was to go into. All i had to do was sign a slip which she stamped(i was tired and didnt even read the slip before signging :o ).

That was at RBS but its the same at my own bank bank of scotland halifax....
 
Jonny ///M said:
I disagree with claiming back bank charges as it was in the damn contract,you broke the contract so you pay the fine. It's not as though it is actually an unfair contract(which the courts thought it was?)
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The whole thing with bank charges, they're supposed to just be charges to cover the extra work involved, e.g. if you get an unarranged overdraft.

It's not supposed to be a 'fine' or penalty, it's supposed to just cover the cost of the extra work involved for the bank staff.
 
JIM_BOB7813 said:
The whole thing with bank charges, they're supposed to just be charges to cover the extra work involved, e.g. if you get an unarranged overdraft.

It's not supposed to be a 'fine' or penalty, it's supposed to just cover the cost of the extra work involved for the bank staff.
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Yeh i understand that they are bad in the sense its too much to charge for such a small thing. On the other hand though charging somebody £5 isn't gonna put them off going overdrawn is it? Need something that is fair but enough to put people off,which £35 is IMO. My mum got charged because of some **** up but she's not appealing it.

I got a good few letters with large red fonts from my bank because i was breaking the terms of my contract by not having a monthly credit to the account(was student bursarie account which was qaurterly) and if i was to get fined/charged for that then i would have understood and not did it again.

If the banks had called the charges fines do you think they wouldn't have been found to be unfair?
 
this once happened to me....gave £180 and £1800 went into account. I noticed before leaving the bank on the receipt and unfortunately so did the cashier!!! Had to be reversed.
 
Give it back i say, everybody no matter how perfect they are makes mistakes.

If you dont give it back you're merely confirming my thoughts that one of the reasons this country is going down the pot is some people have the morals of protitutes.
 
Kitchster_uk said:
Tills are mostly 'pooled' anyway now so they can be shared between many people on any one day. Gone are the days of having your own I'm afraid.
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Which is what I said on page 3 and got riducled for by people who actually have no idea.

The process described above by Kitchster is how 90% of all banks operate keeping discrepencies like this down to a minimum.

Ahh, iPSL. Gotta love em.
 
Butters said:
I love the way people think banks are so stict with money! Their computers dont even check signatures of cheques unless they are in excess of £1000.
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Having been on the team who rolled out and tested the OCR machines that handle cheques for the biggest bank group in the UK, I can confirm this :)
 
Poppy said:
Give it back i say, everybody no matter how perfect they are makes mistakes.

If you dont give it back you're merely confirming my thoughts that one of the reasons this country is going down the pot is some people have the morals of protitutes.
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Yes because banks are highly moral organisations that never take advantage of anyone else's mistakes or misfortune :rolleyes: Only an idiot would give this money back.
Beansprout said:
lol, people say the banks are evil and loads of people here are advocating stealing. Love it :p
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Damn straight, I hate them with a passion.
 
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JIM_BOB7813 said:
Do the machines read the date written on the cheques?
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Yes. They read the value (obv.) date, account number and the bank sort-code of the sender. Tellers fill out forms for the receivers info, which is read in separately.

I assume the responsibility of signature verification is left to the teller, but every time I've handed in a cheque I've never been asked to verify. All cheques are archived for 6 years though, so if anything should be asked for verification, it's all available.
 
The same banks who recently got into trouble for grossly overcharging people for even minor incursions over their overdraft for years?

Hell yeah i'd keep the money, i'd keep £500 if it happened to me.
 
Kitchster_uk said:
Our tills work like this:

A 'real-time' cash transaction. You give the cashier £470 and a credit slip - this is our check.
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This is where the confusion here lies, and is why the OP will not get caught out and will keep the money, his bank (like mine) seemingly does not require the account holder to fill out any kind of credit slip, or paying in slip, or whatever you want to call it.

When paying in cash over the counter at natwest (my bank), you simply hand them a bunch of cash, and your card. They hand you back a receipt for however much they counted it as, you sign it, its stamped, and you go.

The OP has given his cashier £470 in cash, and his card. The cashier has counted this as £570, dumped it into her till along with thousands of pounds of other money, entered all details as £570, its been stamped and signed by both parties. The bank will never know where this £100 anomoly has come from. Its the same as if she had simply swiped £100 from the till afterwards. The till is simply £100 in cash short at day end, she will have done hundreds of cash transactions that day, any one of them could have been counted wrong and any number of combinations of them could have contributed to the £100 short fall.
 
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