Moral dilemma - credit card error in my favour

gonda

gonda

gonda

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Joined
6 Nov 2006
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393
Location
Derby/ Notts
Hey guys,

To keep it simple, I recently transferred a balance to a new credit card, but the bank made a mistake and had to remove the original transfer (and were supposed to reapply it afterwards) - it is now 3 months later and there is no sign of the balance having been moved across, but it isn't on my old card either.

Now I know that to play it safe, I should really tell them about their error, but the mrs is adamant I should just leave it be....thoughts?
 
If you leave it they will pop up in the future & ask for it when it's not a good time for you, Typical. :rolleyes: + :mad: + :p
I'd just pay it when I was flush as I hate having things hanging over me & don't do debt.
 
I'd keep schtum. But then I'm not one for morals or morality since they are as firm as drifting sand. **** them. Because they **** you every chance they get.
 
Honesty is the best policy - I can see were your coming from mate but in my experiance these things always come back to bite you in the a**!
 
Why on earth would you tell them? :eek:

Enjoy your brucey bonus and hope they dont find it later, but the longer it goes, the less chance. Especially after a financial year end.
 
Haha this is exactly the conversation I had with the mrs, it seems there are 2 camps, and I'm more in the scared that if I leave it they will turn around in 2 years time and realise their mistake camp! :(
 
gonda said:
Haha this is exactly the conversation I had with the mrs, it seems there are 2 camps, and I'm more in the scared that if I leave it they will turn around in 2 years time and realise their mistake! :(
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After 2 years? very unlikely. it will have just dropped into a suspense account and be too much hassle for someone in the future to figure out whats happened so just get written off
 
Won't it show up on your credit report that you never cleared the balance? I'd be more concerned about my credit rating than trying to save the money.
 
From a morals point of view, keeping money you know isn't yours is wrong. If you are OK with that then you need to weigh up the chances of them noticing and if you would be able to pay it back when asked if they do notice.
 
Years ago I paid £200 against my HSBC credit card which got multiplied by a factor of 10 on the statement. The girl in the branch did seem a both dithery, I was doing 3 transactions, I believe, totaling £2000. Nothing ever came of it, my card was in "credit" for ages so I spent it and put 2k in a savings account. Nothing ever came of it and I have since closed all my HSBC accounts. Still, every now and then, I wonder it a bill is going to arrive asking for £1800 back...
 
Something similar happened to me once where I ended up £1500 better off. After about 3 months they rectified the mistake :(

MW
 
Hmmm tricky situation.

The devil in me would say "They'd happily stamp on my when im down, why on earth should I do my part now"

The little angel does concur with a few others "Honesty is the best policy".
 
give them a ring an do the honest thing. you dont wanna be looking over your shoulder all the time wondering if they catch the mistake.
 
timmy85 said:
give them a ring an do the honest thing. you dont wanna be looking over your shoulder all the time wondering if they catch the mistake.
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Yeah I think I'll end up doing this tbh, I wish I was one of those people who could just leave it and not care! I can just see them realising next year a few weeks before xmas or something and leaving me stressed!
 
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