Funds lodged into my bank account

[eirebhoy]

Apologies gilberto_eire, I mistook you for the original poster eirebhoy. What I said should have been directed to him:o
It should have been directed at me if that quote was actually mine surely?

"The last quote has told me a bit more about the type of person you are."

I've mentioned this to about 20 people and every single one of them would keep the money if possible.

I haven't got around to it yet as I keep forgetting to bring bank details into work but I'll request a copy of the cheque.

[Dodge]

We'd all keep the money if possible. Some of us are just saying it mightn't be possible

[oldyouth]

We'd all keep the money if possible. Some of us are just saying it mightn't be possible
No we are not all saying that, possible or not. I would want to have exhausted every avenue to find the owner before I would consider keeping it. It fact this happened to me several years ago (when I really could have done with a few bob) and the bank told me it was unlikely to have been spotted as a teller had lodged the cheque to the real recipient as well as my account.

I set myself standards but I'll let others live by theirs, that's how I was brought up. Go enjoy, spend

[Dodge]

No we are not all saying that, possible or not. I would want to have exhausted every avenue to find the owner before I would consider keeping it.

But if you exhaust every avenue, and you're still left with the money you'd give it away? Didn't think so

Would people accept free money? yes
is it free money? unlikely

Clear enough for you now?

[oldyouth]

But if you exhaust every avenue, and you're still left with the money you'd give it away? Didn't think so

Would people accept free money? yes

is it free money? unlikely

Clear enough for you now?

1. I never said that, I said 'before I would consider keeping it'
2. It is not free money, the legal owner of the funds is likely to be losing out
3. It was always clear, that's a benefit of having a firm opinion of right and wrong

[Dodge]

3. It was always clear, that's a benefit of having a firm opinion of right and wrong

can you point out where you I was wrong please?

[Metrostars]

EB, it is not your money. Probably some other person who lodged the check now is behind on his/her rent/mortgage because he/she/the bank skrewed up. Would you like if that happened to you?

About a year ago I got a cheque in the mail from one of my old credit card companies for about $500, supposedly for a credit balance I had on an old credit card I closed a few months earlier. It turned out someone elses credit card payment was posted to my old account before it was closed. I sent the cheque back to them to credit card company.

Do the right thing and contact the bank and karma will be on your side :p

[bellavistaman]

Spend the ****in thing, ASAP, ive so much money in my account i couldnt tell yas if it was 1,000 up or 1,000 down would stand for ya in court.

[tricky_colour]

Did you reply to an email from a Nigerian business man needing to transfer funds out
of the country by any chance?

[steno]

I would tell the bank eirebhoy because they may cope onto it and I wouldn't like to be in the person who was dues situation of having worked and not get paid.

Theres been a case in the place where I work where a person has been paid someone elses wages who also works there. She informed her supervisor who informed the department responsible. This happened 9 months ago and the money is still in her account its a decent sum as well-three months wages. They are a bit slow there as I have also been in the situation when it comes to new people starting and actually paying them.

She moved the money to a seperate account so the temptation to spend it would be someway reduced. The other girl who was supposed to get the wages was eventually paid what she was due. But a strange situation

[pete]

Did you reply to an email from a Nigerian business man needing to transfer funds out of the country by any chance?

Is this him? :D :D :D

nuyh90thPGY

[eirebhoy]

I requested a copy of the cheque so I have to go back in on Monday.

[Bluebeard]

I requested a copy of the cheque so I have to go back in on Monday.

Fair play Eirebhoy. In your position I do not know that I would have known what to do, and I think that asking for impartial advice is the best thing a body could do in such circumstances.

[Block G Raptor]

Fair play Eirebhoy. In your position I do not know that I would have known what to do, and I think that asking for impartial advice is the best thing a body could do in such circumstances.

And if the money belongs to the wrong type of person A body is exactly what you might end being if you spend it :D:D:D

[kingdom hoop]

Fair play Eirebhoy. In your position I do not know that I would have known what to do, and I think that asking for impartial advice is the best thing a body could do in such circumstances.

Good job he didn't ask for your advice then, hah....



I dislike banks more than the next man

[Bluebeard]

Good job he didn't ask for your advice then, hah....
:o:D.

[tricky_colour]

Might have been a refund check from British Gas

RLWGmQsGbzs

"Well you should know your name sir".

[TonyD]

Bertie, is this what your lawyers meant by taking your time to come up with an explaination?

:D:D Nice.

[eirebhoy]

The bank rang today. They said they'll have a copy of the cheque in tomorrow but they told me the name on the lodgement slip. I don't recognise the name. So it doesn't seem to be a mistake by the bank. If the lodger put down the wrong account number, surely the sort code wouldn't match?

[Krstic]

The bank rang today. They said they'll have a copy of the cheque in tomorrow but they told me the name on the lodgement slip. I don't recognise the name. So it doesn't seem to be a mistake by the bank. If the lodger put down the wrong account number, surely the sort code wouldn't match?


Was the name 'Fairy Godmother'?

[pete]

If the lodger put down the wrong account number, surely the sort code wouldn't match?

It may have been meant for account that in same branch. The bigger the branch the greater chance this could happen.

[Poor Student]

The name you don't recognise, is that the name of the person who paid in the lodgement or the person who's account it was supposed to be lodged in to? It's possible that he put the wrong sort code in by accident and your account number happened to be the same as someone else. A cheque shouldn't be lodged into the wrong account by accident as the account should be checked to make sure the name of the account number matches who the cheque is written to.

[Poor Student]

How'd this work out, Eirebhoy?

[gilberto_eire]

Prob' on holiday spending the dosh:D

Imagine though you got the lodgers name and it was somebody you really despised, would be so enjoyable spending there money anyway!!:)

[eirebhoy]

Just back from the bank. They still didn't have a copy of the cheque but they showed me the lodgement slip. The name of the person on the lodgement slip wasn't mine. The account number and sort code was mine. The girl checked the system for the name on the slip and he had a completely different a/c number to me.

It ended up being lodged with the same teller I had withdrawn money with 40 minutes previously. She must have looked at the wrong piece of paper or whatever. I gave them permission to withdraw the money from my account. The guy who should have received the money obviously hadn't contacted the bank yet. It was lodged it on the 25th March.

Anyway, I wasn't expecting to keep the money after the replies to this thread so I'm just a little disappointed. :) I could have probably bargained for an interest free loan of that amount but it would still have to be paid back in the end.

[Maz]

But you feel fantastic for doing the right thing...right?! :)

[DIFChick]

Well done eirebhoy for sorting that out. And like Maz said: hope you feel good for doing the right thing!

Like your good self, this guy did the right thing too!

http://origin.dailybreeze.com/ci_8876833

[dublinred]

But you feel fantastic for doing the right thing...right?! :)

I took out a student loan in 1996 and was handed the cash , a few days later they credited it to my account as well and i still feel fantastic 12 years later.

[oldyouth]

Well done eirebhoy for sorting that out. And like Maz said: hope you feel good for doing the right thing!

Like your good self, this guy did the right thing too!

http://origin.dailybreeze.com/ci_8876833
Good Karma. Trust me, you may really want the dosh now but in a few years when you are better placed (hopefully) you will put it down to the fact you did the right thing back then and you go tell your kids the story:)

[SuperDave]

If this happens, you can't keep the money but strangely nor can the bank take it back without your permission (or by threatening/taking legal action)... but you ARE entitled to the interest on the money, so you better have had it in an interest earning account.

and re signatures... i used to work in one of the bigger banks when i lived back home and i know that signatures on cheques are only routinely checked if the amount is more than 5,000GBP (I worked in sterlingland)... i think the southern figure was e10,000, but this may have changed in the last year or two... other than that signatures are never checked... unless you are actually cashing a cheque on demand, but otherwise it never happens... although, of course, never underestimate the ability of a teller to spot the right signature on a cheque... some companies write a lot of cheques and some tellers, especially the more experienced ones, will be able to spot and recognise the right signatures on cheques by eyesight and memory alone...

you obviously don't bank with ulster bank, cos they can get an image of any cheque lodged to your account (or written by you and debited from your account) within the last six months in a matter of moments... and if you do and they say they can't, they're wrong... factotum.

oh, and if the other person had eventually realised their error (and remembered the date of the transaction), there would have been no difficulty whatsoever on the part of the bank in tracking you down... and if the money had been gone, you may have received some very nasty letters... although if it was the state overpaying you, the inefficiencies i have seen there would lead me to believe you would have no difficulty whatsoever getting away with keeping it.

[Poor Student]

Just back from the bank. They still didn't have a copy of the cheque but they showed me the lodgement slip. The name of the person on the lodgement slip wasn't mine. The account number and sort code was mine. The girl checked the system for the name on the slip and he had a completely different a/c number to me.

It ended up being lodged with the same teller I had withdrawn money with 40 minutes previously. She must have looked at the wrong piece of paper or whatever.

I know mistakes happen but that's pretty sloppy.:o Fair play to you for going ahead and sorting it out.

SuperDave, I understand that in the likes of Australia banks can pull signatures for verification up on the screen. I've heard rumours that some Irish banks could have this up on their system in the near future and that may firm up proceedures a bit with regards to cheques. All cheques over a certain amount lodged have to be signed off by management anyway.

[SuperDave]

I know mistakes happen but that's pretty sloppy.:o Fair play to you for going ahead and sorting it out.

SuperDave, I understand that in the likes of Australia banks can pull signatures for verification up on the screen. I've heard rumours that some Irish banks could have this up on their system in the near future and that may firm up proceedures a bit with regards to cheques. All cheques over a certain amount lodged have to be signed off by management anyway.

oh, the bank i worked in was able to pull up signatures on screen on demand... and yes, cash withdrawals over a certain amount also needed to be signed off by management, with management having to put in their password on screen before you could continue...

but not really relevant to the present conversation, cos once something like that gets past the teller, unless its a pretty big one that comes up on fraud prevention reports (generally automatically produced for lodgments over a certain amount), no-one is ever going to double check it. the only way it'll be detected is by the other person noticing and complaining... and if it was a big business that is mega unlikely to happen.