Funds lodged into my bank account

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Originally Posted by OneRedArmy

Paul you have a terrible habit of providing awful advice as gospel based on hearsay.

The first part of your advice is right, they can't take it out without your permission.

However in no way shape or form is it his "to do what you want to do with it". If you refuse to return it the bank will likely go to court to get it back, it will be noted on your credit rating and you'll likely to told to do your banking elsewhere.

Regardless of what your gf says.......

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it wasn't hairsay she was sitting across from me along with another former colleague of hers ( and now flatmate ). I would take their word as they have worked there and they were proved right in me getting my money back for fraud ( bank dont care if its less than 3k supposedly ).

From my time with MBNA, nothing like that goes on your credit rating, Experian or the like are not concerned about someone lodging money into your account or you going to court to refuse to repay the banks error.

Finally to say hearsay, what are people going on by what you provide exactly?! Its hearsay too, if you want to be smart about it. So are you saying its a case of my gf v you or something cos thats how petty you have made it sound. Or have you actually had this gone to court for yourself?! If not, and Ill assume not you are basing it on "hearsay"* ;) Anything can be hearsay.

So regardless of what you say or I say, im pretty sure the bank wouldn't bring you to court over this amount of money, its not worth it to be honest. But I'm also sure that they would get the money back off you. Thats not hearsay, thats just what I beleive.

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Originally Posted by Dodge

I lodged a cheque for €100 into an AIB account and they gave me €1,000 instead

rang me the next day to ask for permission to take it back. i told them I'd already paid it off my CC. They reversed that payment and took the €900 back out. Not much i could argue about is there?

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Thats interesting Dodge, maybe ORA was right all along :D

Technically they didnt take it out of your account though.....

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Originally Posted by John83

Perhaps a conveniently placed bank teller will confirm or deny this, but I get the impression that signatures on cheques are only really checked when there's a problem.

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I signed something differently to the usual way I sign it and it came back queried. Depends on the amounts involved. Again if the money isnt yours then you cant keep it. FACT. If you spend it you will only end up repaying it. Poor Student how long are you actually working in a bank? Thats two threads your passing yourself off as some sort of expert. When you open your account you sign documents which cover the bank in the event of errors.

Joking aside, it actually distresses me to see how many people seem to favour the idea of just keeping it.

Someone somewhere is out of pocket - possibly someone who can afford it, but nonetheless, it is not a "victimless crime". For those folk professing (or protesting) any degree of Christian faith, would you like this to happen to you? For those of us who are not Christians, similarly, how does essentially taking something belonging to another fit in with your own world view?

I dislike banks more than the next man (It was a huge wrench to make me give up the Bank of Sock Drawer a second time on moving to London), but the banks are like the banker at casinos - they don't lose, you don't beat them. If you "get away with it", someone else will end up stumping up, or, as likely as not, everyone will somehow. When interest rates change and banks report poor trading, note that this translates normally into their rate of profit growth decreasing, not their actual profits. And in cases where banks make a lesser profit - not NO profit, never mind a deficit - who gets charged extra for the transactions? Indeed, you could say that taking someone else's money is essentially what the banks do - it doesn't happen if you keep it in the Sock Drawer. Don't give them an excuse, and don't become like them.

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Originally Posted by Bluebeard

Joking aside, it actually distresses me to see how many people seem to favour the idea of just keeping it.

Someone somewhere is out of pocket - possibly someone who can afford it, but nonetheless, it is not a "victimless crime". For those folk professing (or protesting) any degree of Christian faith, would you like this to happen to you? For those of us who are not Christians, similarly, how does essentially taking something belonging to another fit in with your own world view?

I dislike banks more than the next man (It was a huge wrench to make me give up the Bank of Sock Drawer a second time on moving to London), but the banks are like the banker at casinos - they don't lose, you don't beat them. If you "get away with it", someone else will end up stumping up, or, as likely as not, everyone will somehow. When interest rates change and banks report poor trading, note that this translates normally into their rate of profit growth decreasing, not their actual profits. And in cases where banks make a lesser profit - not NO profit, never mind a deficit - who gets charged extra for the transactions? Indeed, you could say that taking someone else's money is essentially what the banks do - it doesn't happen if you keep it in the Sock Drawer. Don't give them an excuse, and don't become like them.

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Either you're the person who mistakenly put the money in Eirebhoy's account, or you're they guy who would have received it.

Possibly both.

haha :D

No im somewhat with BB on this one, to be honest I dont care for a banks error, even if its human error at the end of the day, but the thought that someone made the mistake, the bank can be right feckers and i could see them absolving themselves of any blame in that case. So I would agree with BB here.

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Originally Posted by oldyouth

The last quote has told me a bit more about the type of person you are. Basically, you are looking to see if there are more people out there with the same morals (and there are) to back you up on what you know you are going to do anyway.
Spend and enjoy. That's what you want to hear isn't it??

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Go away from around me will ya, look at all the posters who said ''just spend it'' and then you pick mine out and have a go!. You don't know me or what i'd do in the situation if it actually arose. As for my friends EX, I most certainly would'nt have taken the envelope with the money in it!!

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Originally Posted by Billsthoughts

I signed something differently to the usual way I sign it and it came back queried. Depends on the amounts involved. Again if the money isnt yours then you cant keep it. FACT. If you spend it you will only end up repaying it. Poor Student how long are you actually working in a bank? Thats two threads your passing yourself off as some sort of expert. When you open your account you sign documents which cover the bank in the event of errors.

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Never passed myself off as an expert. If a day passes since an error transaction then your account will have to be physically debited to correct the error rather than just reversed out. To debit your account you'll have to be notified and your permission sought as happened with Dodge. I honestly don't know what happens if a person refuses but it's not straightforward and easy, particularly if the funds have cleared and have been drawn against.

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Originally Posted by John83

Perhaps a conveniently placed bank teller will confirm or deny this, but I get the impression that signatures on cheques are only really checked when there's a problem.

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True. A branch only holds its own customers' signatures on file. Only if there was some suspicion of fraud or exceptional amount would signature verification be sought.

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Originally Posted by gilberto_eire

Go away from around me will ya, look at all the posters who said ''just spend it'' and then you pick mine out and have a go!. You don't know me or what i'd do in the situation if it actually arose. As for my friends EX, I most certainly would'nt have taken the envelope with the money in it!!

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Apologies gilberto_eire, I mistook you for the original poster eirebhoy. What I said should have been directed to him:o

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Originally Posted by oldyouth

Apologies gilberto_eire, I mistook you for the original poster eirebhoy. What I said should have been directed to him:o

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Alright sound, no worries:)

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Originally Posted by gilberto_eire

Alright sound, no worries:)

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It's as if we never fell out.

I'll get ya on something else yet though

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Originally Posted by oldyouth

Apologies gilberto_eire, I mistook you for the original poster eirebhoy. What I said should have been directed to him:o

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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.

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

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Originally Posted by Dodge

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

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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

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Originally Posted by oldyouth

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.

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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?

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Originally Posted by Dodge

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?

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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

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Originally Posted by oldyouth

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

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can you point out where you I was wrong please?

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

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.

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

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