Interested how this pans out. Keep us updated OP! Pic with hovis wouldn't go a miss either
£19k from nowhere
- Thread starter Souness
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Interested how this pans out. Keep us updated OP! Pic with hovis wouldn't go a miss either
Deleted member 651465
Deleted member 651465
Yes, but I think the bank are going to want to find out why someone would do that.
It's probably made them a bit more concerned as he's rung to query it (Which you wouldn't do if it was legit)
I'd narrow it down to a) fluke b) someone offloading stolen money c) cockup
Man of Honour
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Or it was an error made by bank staff when processing cheques.
I dont get why people are saying: "tell the bank, tell the bank, quick, omgz, im a good boy!". Do you honestly think youll get into trouble for someones elses mistake? I would have just left it there until someone said something. I totally agree not to move it or spend it etc. (for 7 years ) as you could get into trouble for that. But nothing can happen to you if you dont touch it as its not your fault and youre not held responsible for going out your way to rectify someone elses problem. Banks couldnt give the slightest about your good will gesture of reporting it either. IMO anyway.
) as you could get into trouble for that. But nothing can happen to you if you dont touch it as its not your fault and youre not held responsible for going out your way to rectify someone elses problem. Banks couldnt give the slightest about your good will gesture of reporting it either. IMO anyway.
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haha
No. It's only just "someone else's mistake" if you keep it in the account and tell the bank within a reasonable time. Trying to pass the money off as yours is fraud, whoever's fault it was in the first place.
10,000 Euros and it doesn't matter how many transactions you break it down in to. It will still have been flagged. And it isn't to the FSA it is to the banks internal Money Laundering Officer. (Yes I have just finished my annual Money Laundering training...)
Depends on the mistake. If it is the banks mistake and should have gone into another account then they can take it back and sue you for it if you remove it and spend it.
If it isn't the banks mistake and say the person filling in the paying in slip and depositing the money puts it into your account by mistake then they can ask for it back but not legally entitled to it back.
Trust me, we once accidently paid some money into somebody elses account at work. The mistake was ours and we put the wrong sort code and bank account on the transfer. We were not entitled to get it back. In fact, the back would not even confirm the name of the bank account holder directly to us.
I once paid a months rent into what I thought was the Agencies account and I had put an 8 instead of a 6 at the end of the account number.
Very fortunately, the person who had it deposited into their account called the bank the same day as me and told them to contact me and pay it back into my account. The bank did not really want to know as they said it was a mistake on my part and I had no legal right to have it taken back but as the person requested it go back, they did it.
I never found out who it was though but they were definately a saint in my eyes.
Very fortunately, the person who had it deposited into their account called the bank the same day as me and told them to contact me and pay it back into my account. The bank did not really want to know as they said it was a mistake on my part and I had no legal right to have it taken back but as the person requested it go back, they did it.
I never found out who it was though but they were definately a saint in my eyes.
I should hope not, would be a breach of the Data Protection Act for them to tell you.
Associate
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I would just sit on it.
I once had 2k coming into my account, I checked and I was actually 2k down. I phoned them up and they had pressed the "Credit" button rather then "Debit"
Its a simple mistake and I caught it but do you think they would have gone out their way if I hadn't? probably not.
I once had 2k coming into my account, I checked and I was actually 2k down. I phoned them up and they had pressed the "Credit" button rather then "Debit"
Its a simple mistake and I caught it but do you think they would have gone out their way if I hadn't? probably not.
Soldato
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I call BS until a screenshot of online banking showing said moneys are posted here.
I had someone pay 300 quid onto my credit card. Got it removed after ringing the bank.
Conspiracy theory alert: I've always been suspicious that banks do this to make unsuspecting people think "lol my bank is in credit looolll I'll spend it now!!!" and a couple of weeks later SHAZAM the error is reversed, leaving you more in debt.
Conspiracy theory alert: I've always been suspicious that banks do this to make unsuspecting people think "lol my bank is in credit looolll I'll spend it now!!!" and a couple of weeks later SHAZAM the error is reversed, leaving you more in debt.
I've deposited thousands before and not been questioned about it, the banks only do what they are legally required to do and nothing extra, money laundering means more money for them.
There's no mens rea, so it couldn't.
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Which means it will probably take a few days to sort out as the cheques will have to find their way to someone useful.
One part of me is thinking Nigerian scammers, using fake cheques to deposit money into someones account, the scammer then contacts them and asks for the money back, some people will go "sure, here you go" and transfer £19k to the scammers, then a month later when the cheques get back to the bank they "came" from the fraud is seen and another £19k disappears from the persons bank account...