£19k from nowhere

Withdraw all that you can and then tell them your card was stolen when someone beat you up and forced your PIN code out of you:cool:
 
EVH said:
1) He's already told the bank
2) The bank would remove the £19k and any interest gained on it
3) If he moved the money around his account(s) they'd be more likely to pick it up
Click to expand...


His next move should be to invoice the bank for at least £5K in administration fees.
 
Durzel said:
You can't spend money that doesn't belong to you - it's illegal and the bank will find out. People who earnestly believe that you can move this money around/spend it with no consequence are idiots, or trolling.
Click to expand...

If someone has written the wrong account number and paid you 19,000 then they have paid you that 19,000 and it is your money surely?
 
Strife212 said:
If someone has written the wrong account number and paid you 19,000 then they have paid you that 19,000 and it is your money surely?
Click to expand...

As I stated earlier, if it's not the bank's mistake and somebody put the wrong account number then it's a civil matter and no guarantee the person will get their money back.

In fact the bank won't tell you who has your money (although there are always ways ;)) so for the person to issue a civil case they have to find who you are first.
 
Strife212 said:
If someone has written the wrong account number and paid you 19,000 then they have paid you that 19,000 and it is your money surely?
Click to expand...

I doubt it, there was clearly no intention to give a gift nor is it a payment for anything. The person who paid it in would certainly get their money back.

Greebo said:
In fact the bank won't tell you who has your money (although there are always ways ;)) so for the person to issue a civil case they have to find who you are first.
Click to expand...

He knows who he is because he wrote the name on the check and has his account number.
 
Energize said:
I doubt it, there was clearly no intention to give a gift nor is it a payment for anything. The person who paid it in would certainly get their money back.



He knows who he is because he wrote the name on the check and has his account number.
Click to expand...

Not sure sure. They have made a councious decision to write the cheque out to him and pay it into his account. Hard to prove why you made that kind of silly mistake.

Also if it was a mistake on the person paying the cheque in and it should have been to somebody else with a similar name/account number then it may be unlikely that they still have his details.

Lastly, they may have his name and account number but they still need to find that person (okay, Tefal excluded from this ;)) which is still hard as the bank won't give you the details. Very hard if it is a common name like "D Smith"
 
Red and White said:
:/ yes i hate it when someone gives me 19 grand.
Click to expand...

Maybe it's some bad people and they may come looking for him!!!

I'd change my account details me, then open a savings account, cash 17,000 of it and spend the remaining 2k on Bicycle and PC and a new sound system :D

Can someone accidentally cash in 19k to my account plz?

email me and I'll pass me details on.

:o
 
Greebo said:
Not sure sure. They have made a councious decision to write the cheque out to him and pay it into his account. Hard to prove why you made that kind of silly mistake.
Click to expand...

Could be one digit on the account number wrong, a court isn't going to believe he purposely deposited an amount into someones account who he'd never met before.

Lastly, they may have his name and account number but they still need to find that person (okay, Tefal excluded from this ;)) which is still hard as the bank won't give you the details. Very hard if it is a common name like "D Smith"
Click to expand...

Since the person who wrote the cheque has the sort code he can just look up the name on the electoral role and look at the addresses closest to the bank.

For all we know though this could be someone who has stolen someone elses cheque book.
 
Last edited:
Ok, the amounts are hugely suspicious. I would not be surprised to see that the cheques are drawn on closed accounts and I also wouldn't be surprised to see the OP's account closed due to unusual activity.
 
Kitchster_uk said:
Ok, the amounts are hugely suspicious. I would not be surprised to see that the cheques are drawn on closed accounts and I also wouldn't be surprised to see the OP's account closed due to unusual activity.
Click to expand...
If the cash is in his account, doesn't that indicate the cheques have already cleared?

I'm waiting for the surprise scam portion of this also. It seems the deposit was genuine and deliberate, but why?
 
Raist said:
If the cash is in his account, doesn't that indicate the cheques have already cleared?
Click to expand...

Nope. Have a look at this. Banks are required to credit accounts for interest purposes 2 days after a cheque has been paid in, and to allow withdrawal of the money after 4 days. However, you can't be sure that the cheque hasn't bounced until 6 days after it's paid in.
 
Raist said:
If the cash is in his account, doesn't that indicate the cheques have already cleared?
Click to expand...

No. It will be uncleared effects.

I'm waiting for the surprise scam portion of this also. It seems the deposit was genuine and deliberate, but why?
Click to expand...

His account is being used as part of clearing cycle fraud, whether the OP knows it or not. If not, he will probably get contact from someone saying they know they made a mistake and if he gets the cash out ASAP (the morning of day 4) then he can keep £500/£1000 for his honesty. Then the cheques will come back as late return and he'll be down £18k. And he'll be sick.

The details are all in keeping with this sort of fraud.
 
Mattus said:
Nope. Have a look at this. Banks are required to credit accounts for interest purposes 2 days after a cheque has been paid in, and to allow withdrawal of the money after 4 days. However, you can't be sure that the cheque hasn't bounced until 6 days after it's paid in.
Click to expand...
Thank you. :)

Kitchster_uk said:
His account is being used as part of clearing cycle fraud, whether the OP knows it or not. If not, he will probably get contact from someone saying they know they made a mistake and if he gets the cash out ASAP (the morning of day 4) then he can keep £500/£1000 for his honesty. Then the cheques will come back as late return and he'll be down £18k. And he'll be sick.

The details are all in keeping with this sort of fraud.
Click to expand...
Very interesting. I've not heard of that one. I'm not sure that's possible here in the U.S. as typically the funds are not available until it has completely cleared.

edit: reading up, it looks as though some banks do still make the money available before they have received it from the sending bank. :eek:
 
Last edited:
not sure i agree with the people saying he could have got in trouble for not reporting it, what if he'd either not checked his statement, or simply hadnt noticed it (obviously unlikely but not impossible and impossible to prove that he had), then how could he get into trouble for that, it's not even negligence if he's just not noticed something he couldnt possibly expect
 
You must log in or register to reply here.
Back
Top Bottom