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money in my bank account not mine??
I went onto my online banking on Saturday & noticed that a cheque had been paid into my account on 17th June. It was sitting as pending, with a clearance date of today. I knew I hadn't paid this in & noone has the account details for this account as it is my secondary account, so i phoned my internet banking to query it, as I am sure it is a mistake. They told me it was paid in at my local branch, & said they would contact the branch for more info but as it was Saturday afternoon it would be Monday before I got a call back. They said though that if the cheque wasnt made payable to me then it wouldnt clear today as it is supposed to.
This morning I have checked my account & it has cleared! I spoke to my branch first thing this morning, who told me that they can't tell me who made the cheque out, due to data protection, but they are looking into it & would get back to me when they had some more info.
That was the last I heard, my question is though how long do i give them? I mean I am quite sure its not my money & I have done what I can to try to get this rectified but of course i would love to have the money! & where do i stand legally on this??
Any advice appreciated!
This morning I have checked my account & it has cleared! I spoke to my branch first thing this morning, who told me that they can't tell me who made the cheque out, due to data protection, but they are looking into it & would get back to me when they had some more info.
That was the last I heard, my question is though how long do i give them? I mean I am quite sure its not my money & I have done what I can to try to get this rectified but of course i would love to have the money! & where do i stand legally on this??
Any advice appreciated!
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Crass question - forgive me - how much are we talking?
You could ask them to place the money into their 'miscellaneous' account, though they may be a little reluctant to do so (don't ask me why, but I suspect it's because they don't all know the procedure and that it does still create an audit trail which should be fairly easy to follow).
Thanks for that, I will ask them to do that if its still there tomorrow.
I have no plans to spend the money so its sitting there waiting for them to whip it back! I was just curious, say if in a months or 2 months time & it was still there would it become mine, or could it effectively sit there forever unclaimed??
For the poster that asked its £250.
I am not treating it as if it is my money, if i was doing that i wouldnt have been on the phone to the bank twice trying to sort it out! I am just curious as to what will happen with the money!
I'm not sure regarding guidelines as to how long it would take before it became yours, but as it was a cheque, I assume it will be sorted out far faster than any timeline regarding it being yours...if it was cash, you could potentially be on to a winner! (mind you, the name on a paying in slip would indicate it was not your money whether or not they can trace the recipient, so I really can't give a definitive answer).
What? Your original post clearly indicated to me that you wonder whether or not you have a legal entitlement to the money. I got that from ...
Sorry if I got the wrong end of the wrong stick.
I am curious as to if there would be any legal entitlement at any point, but at this point in time I am well aware that it isnt my money, hence why i am trying to rectify it for the poor person who is currently £250 short!
This is why i was in two minds as whether to ask this on here, there is always someone ready to judge instead of offering the requested advice!
Sorry that you did not like the advice that you got.
I did like the advice I got from bankgal, you however just told me I cant treat the money as my own, which I am not doing!
I am sure anyone who ended up with an extra £250 in their account would have the thought cross their mind that they would like to have it for themselves, however most people would try to do something about it like I have done!
If that's the case, it might well be some 'stupid customer' putting the wrong details onto a paying in slip! Or maybe some mysterious benefactor of yours
Realise that does not answer your question!
Lol no it doesnt really but it does make me live in hope of a free piss up!!!!
Now said company charged me twice - to my slight anger - and after chasing and chasing I got refunded twice after delivery of the goods. Net gain for me - £250. Strange how £250 is a recurring number in here.
It happened to me once on bonus week Lloyds TSB paid everyone at our place double, when the missus went to the bank an there was nearly an extra £500 in the account she phoned me and i told her to withdraw it straight away.
Two days later Lloyds too the money back out leaving me overdrawn, i phoned them stating it was theier mistake and i though it was mine, after pleading poverty
We had quite a good week that week
Saying that though, the bank I worked for now has all staff annoying customers for sales rather than doing essential customer service stuff hence why I am no longer working for them.
The one I worked for turned into a shop too so I left as well. My parents bank there and say it has now been revamped and there is now just TWO manned tills and they are around the corner so you can't see them. You are apprehended when you go in and more or less forced towards the paying-in machines.
But they cannot just debit you. They have to ask your permission to debit your account.If the funds are not in the account when they ask you, you could always ask that you repay at say £25 permonth, citing that you hadnt realised an increase in your balance and it has been spent. The fact you contacted them doesnt help but i doubt they have that on record.
I would move the funds to a savings account and see what happens
you could then argue that you have written proof from the bank that they have investigated it fully and found that the money is yours.
if they ask for it back after that, you could refuse on the grounds that they can't change their minds after telling you it's yours in the first place.
and i think it would hold up in court as well as a judge could also feasibly agree that if they've investigated it fully and written to you to confirm that, they can't suddenly change their mind.
just wish something like that would happen to me