Accidentally sending people money from your online bank account

Ac1dh0u$3. · 12 Sep 2009 at 13:20

AcidHell2 said:
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.

Yea but i was was using my wee car scenario to compare with his money hanging out of cashpoint scenario ....

Pocketing money on street = not legal
Taking abandon car = not legal

That was my point ....

It may well not be the same, but the fact is theres still some ****** running about spending £2000 that isn't theres, legal or not ...

Actaully, might not even be a ******, could be a nice guy or girl, they STILL have £2000 thats they know doesnt belong to them

Tony Williams · 12 Sep 2009 at 13:24

I wouldn't do either of the two on the OP. If I found money on the floor - I'd keep it, after all who is gunna go the police because they lost £10?? and anyone can claim just money. If it was a wallet, money, bank card etc - then I would return it.

NeilF · 12 Sep 2009 at 13:27

AcidHell2 said:
stupidity.

You can delete them and it's a useful function. Absolutely nothing wrong with it and it is not a simple click. There's a confirmation page as well. If you have a low iq then don't use online banking.

Some banks don't allow you to maintain/delete entries in the list...

Glaucus · 12 Sep 2009 at 13:28

NeilFawcett said:
Some banks don't allow you to maintain/delete entries in the list...

but I'm betting there's still a confirmation button/page.

Delvis · 12 Sep 2009 at 13:30

AcidHell2 said:
but I'm betting there's still a confirmation button/page.

Most definitely.

And I don't see how there is not a function to delete previously paid personal transactions...

norm · 12 Sep 2009 at 15:01

Strange how when the bank makes a mistake they can claim the money back. Yet the customer doesn't have the same right.

She should have just claimed fraud, only realistic way of getting the bank on your side.

Biohazard · 12 Sep 2009 at 15:04

norm said:
Strange how when the bank makes a mistake they can claim the money back. Yet the customer doesn't have the same right.

She should have just claimed fraud, only realistic way of getting the bank on your side.

Because they can access that record as a customer and from the audit trail of the banks funds, its a bit naff imo although I can see how the DPA stops them handing details to her in theory. A case should be made for the Information Comissioner or whoever to release it, so she could make a small claims for it.

For all the difference that would make...

Although I would say that if I had 'worked in four banks', your damn bloody right I'd know the consequences more than most that getting an account wrong. Idiot.

Destination · 12 Sep 2009 at 15:20

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

So the guy says she paid him for sex, and he can't remember where or when.... who wins?

Burnsy2023 · 12 Sep 2009 at 16:35

AcidHell2 said:
I thought bank transfers was the same as cash over the counter and as such have no refund at all.

But the cash doesn't change legal owners because of mistake.

Proving this is another can of worms though.

V4NT0M · 12 Sep 2009 at 16:38

LMAO She accidentally the whole payment.

jak731 · 12 Sep 2009 at 18:16

I'm worried about accidentally doing this someday, made a lot of one off payments due to buying stuff off the MM etc. I bank with the coop but i can't find anyway to delete details from accounts i've paid into

Just got to be careful i guess, not had a slip up since i set up online banking 3 years ago. I can imagine making a mistake like burnsy someday and just idly clicking through the confirmation screen...

Johnny Girth · 13 Sep 2009 at 02:07

AcidHell2 said:
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.

That's not necessarily true - in fact it's more untrue that true.

Whilst there is no automatic method for reversing such transactions and the money may prima facie seem to belong to the recipient that does not mean that they are entitled to it.

There's a whole host of legal background surrounding the law of mistake and the newer, still developing law of restitution. It's very likely that you would be able to claim for repayment of the money, subject to potential equitable defences.

And quite rightly so.