Accidentally sending people money from your online bank account

Burnsy2023 · 12 Sep 2009 at 12:19

I found I had done this on Friday. The £1.5k in rent who was supposed to go to our landlord, instead went to Southampton City Council. Luckily, the council knew it was there and are issuing a refund, although it could take up to 2 weeks to process. Thank god we have decent landlords.

The annoying thing was that previously I paid council tax via standing order, but I had recently changed to DD, so there was no reason to have those payee details anyway. It's also something I have been doing every month for years and this is the first mistake.

Glaucus · 12 Sep 2009 at 12:22

Burnsy2023 said:
I found I had done this on Friday. The £1.5k in rent who was supposed to go to our landlord, instead went to Southampton City Council. Luckily, the council knew it was there and are issuing a refund, although it could take up to 2 weeks to process. Thank god we have decent landlords.

The annoying thing was that previously I paid council tax via standing order, but I had recently changed to DD, so there was no reason to have those payee details anyway. It's also something I have been doing every month for years and this is the first mistake.

who do you bank with, is there no confirmation button?

Burnsy2023 · 12 Sep 2009 at 12:26

AcidHell2 said:
who do you bank with, is there no confirmation button?

Natwest. Yes there is a confirmation page, but I can't ever recall seeing it to be different. It was probably a lapse of concentration on my part due to whatever reason but it's nice to know I sent it to who I did.

Delvis · 12 Sep 2009 at 12:27

Burnsy2023 said:
Natwest. Yes there is a confirmation page, but I can't ever recall seeing it to be different. It was probably a lapse of concentration on my part due to whatever reason but it's nice to know I sent it to who I did.

Surely it said on the page who you was sending it too

Burnsy2023 · 12 Sep 2009 at 12:29

Delvis said:
Surely it said on the page who you was sending it too

Of course, but I didn't notice it. I almost always do things right on the first try, it hasn't happened before I didn't expect it to happen this time.

JIM_BOB7813 · 12 Sep 2009 at 12:30

Delvis said:
Just for comparison...If you found some money sticking out of a cashpoint with no one around at all...would you take the money?

Not really the same situation since it says the bank has tried to contact the recipient and has not had any reply. So the person knows it was a mistake, knows who the money belongs to and is willingly withholding it.

I thought there was a law to protect against situations like this, like where people find money on the street they do not own it just because they found it. Although I guess this is slightly different.

Doonhamer · 12 Sep 2009 at 12:53

Everybody seems to be assuming there online banking experience is the same as everybody else's. Maybe she isn't dizzy and her bank just doesn't have the same precautions in place as your own. Yes she should have paid more attention but we all do daft things occasionally.

Delvis · 12 Sep 2009 at 12:57

JIM_BOB7813 said:
Not really the same situation since it says the bank has tried to contact the recipient and has not had any reply. So the person knows it was a mistake, knows who the money belongs to and is willingly withholding it.

I thought there was a law to protect against situations like this, like where people find money on the street they do not own it just because they found it. Although I guess this is slightly different.

Well, yes...But has the person received everything? I get things from my bank from time to time and i just bin them...as they're just junk half the time asking me to take a loan out or something.

Doonhamer said:
Everybody seems to be assuming there online banking experience is the same as everybody else's. Maybe she isn't dizzy and her bank just doesn't have the same precautions in place as your own. Yes she should have paid more attention but we all do daft things occasionally.

I presume every bank has a 'confirm' button though? Just like nearly any website that sells things

Ac1dh0u$3. · 12 Sep 2009 at 13:02

AcidHell2 said:
and what do you want to happen?
Bank transfers are non refundable. It is no different to going into a bank and paying in cash over the counter. If you are to stupid to use a computer that is your fault.

yea, but if i went to my bank and "found" £2000 then got letters saying someone had made a mistake and "gave" it to me, i'd give it back......
its called "common decency"

Simple fact is that the money does not belong to the person that recieved it and they know it..

Delvis said:
Just for comparison...If you found some money sticking out of a cashpoint with no one around at all...would you take the money?

Last time i checked bank cashpoints didnt pay out £2000

Delvis · 12 Sep 2009 at 13:04

Ac1dh0u$3. said:
Last time i checked bank cashpoints didnt pay out £2000

I do hate it when people read a message incorrectly.

I specifically said SOME money sticking out...At no point did I say £2000

Ac1dh0u$3. · 12 Sep 2009 at 13:11

But the article is about 'Claire Logie' and £2000 she paid into someones accout by mistake, i fail to see any conclusion you can draw from any answer to your question having a vaild point...

If you want to talk about randoms

If you were walking down the street and seen a car, door open keys inside, would you go for a ride ?

Cairnsey · 12 Sep 2009 at 13:11

This has happened on here in the MM. Someone paid a forum member from a previous MM transaction around £100 and realised it was the wrong person so he created a thread in GD to try and find him! Think it worked though.

Glaucus · 12 Sep 2009 at 13:12

Ac1dh0u$3. said:
yea, but if i went to my bank and "found" £2000 then got letters saying someone had made a mistake and "gave" it to me, i'd give it back......
its called "common decency"

Simple fact is that the money does not belong to the person that recieved it and they know it..

and not everyone has common decency.

Ac1dh0u$3. said:
If you were walking down the street and seen a car, door open keys inside, would you go for a ride ?

Which is totally different.
the money is legally the persons as far as I know. They do not have to give it back.

Ac1dh0u$3. · 12 Sep 2009 at 13:15

AcidHell2 said:
and not everyone has common decency.

Which is totally different.
the money is legally the persons as far as I know. They do not have to give it back.

Does this apply to money found in the street ?? Or hanging out of a cashpoint ? I thought you were ment to hand it in ?

Glaucus · 12 Sep 2009 at 13:16

Ac1dh0u$3. said:
Does this apply to money found in the street ?? Or hanging out of a cashpoint ? I thought you were ment to hand it in ?

As I said totally different. Money found has to be handed in. This is not what happened. It is a bank transfer, treated exactly the same as paying cash in over the counter and as such is legally there's to do as they wish.

Delvis · 12 Sep 2009 at 13:16

Ac1dh0u$3. said:
But the article is about 'Claire Logie' and £2000 she paid into someones accout by mistake, i fail to see any conclusion you can draw from any answer to your question having a vaild point...

If you want to talk about randoms

If you were walking down the street and seen a car, door open keys inside, would you go for a ride ?

Yes, the article is about Claire Logie, well done for successfully reading the article :confused:

I was asking you, not Claire.

It's the same scenario, apart from the fact the money is not in your bank, it is there in front of you, staring you in the face.

Why? Just why? God almighty I do wonder about some people...No, as that would be stealing and taking without the owners consent. Cars have their own laws and rules to them.

Burnsy2023 · 12 Sep 2009 at 13:17

AcidHell2 said:
the money is legally the persons as far as I know. They do not have to give it back.

I'm pretty sure that's not the case. Genuine mistakes are always protected by law.

Glaucus · 12 Sep 2009 at 13:18

Burnsy2023 said:
I'm pretty sure that's not the case. Genuine mistakes are always protected by law.

I thought bank transfers was the same as cash over the counter and as such have no refund at all.

Delvis · 12 Sep 2009 at 13:19

Burnsy2023 said:
I'm pretty sure that's not the case. Genuine mistakes are always protected by law.

Well yes...but whats to say that the person who received the money wasn't actually owed it for instance? Then the Claire girl just happens to have a grudge against said person and is trying to get it back for sakes sake.

Strife212 · 12 Sep 2009 at 13:20

Burnsy2023 said:
Genuine mistakes are always protected by law.

hehe