Funds lodged into my bank account

**Docboy** · 31/03/2008, 2:57 PM

They can, and will, do you for it whenever it comes to light which knowing the banking system will happen soon enough. Wouldn't spend it pal

**anto1208** · 31/03/2008, 3:01 PM

It could belong to a little old lady that was donating it to orphans �.orphans with aids

**tetsujin1979** · 31/03/2008, 3:03 PM

I used to work in a bank, and one week someone else's wages was deposited to my account, along with my own.
I reported it, and it was all sorted out within a few hours.

**Wangball** · 31/03/2008, 3:12 PM

Orphans with AIDS would probably just spend the money on needle drugs

Just whip it all out of your account and think of it as an interest free loan, change your bank account that you get paid into so that can't just whip it back out once you've borrowed their cash

**max power** · 31/03/2008, 3:13 PM

Originally Posted by tetsujin1979

I used to work in a bank, and one week someone else's wages was deposited to my account, along with my own.
I reported it, and it was all sorted out within a few hours.

I had a similar problem and my employers wanted me to withdraw the money and give it to the other person. They weren't willing to sort out a thing. I told them the money would stay in my ac until they sorted it out. It took them 3 weeks to get up off their back sides and fix it.......

**Wangball** · 31/03/2008, 3:47 PM

I used to work in Roches Stores when I was in school and they paid me for 2 months after I left, I realized after 3 weeks that it was happening so I left the money in my account for 3 months & didn't touch a penny of it, once the 3 months was up I spent it & partied like it was 1999 (it was 1998).... I say spend it now & to hell with the consequences!

**Bluebeard** · 31/03/2008, 3:59 PM

Originally Posted by Wangball

I used to work in Roches Stores when I was in school and they paid me for 2 months after I left, I realized after 3 weeks that it was happening so I left the money in my account for 3 months & didn't touch a penny of it, once the 3 months was up I spent it & partied like it was 1999 (it was 1998).... I say spend it now & to hell with the consequences!

You're due out next month, isn't it wangball?

**oldyouth** · 31/03/2008, 6:08 PM

It's not the Banks money, it belongs to somebody who tried to lodge it to their account. You have to assume it belongs to someone worse off than you and they are probably trying, without much success, to prove to the bank that they lodged it. You don't know what impact losing this money might have on them

It's not yours, do the decent thing

**gilberto_eire** · 31/03/2008, 6:22 PM

Originally Posted by oldyouth

It's not the Banks money, it belongs to somebody who tried to lodge it to their account. You have to assume it belongs to someone worse off than you and they are probably trying, without much success, to prove to the bank that they lodged it. You don't know what impact losing this money might have on them

It's not yours, do the decent thing

Well if that is the case then it will be sorted out by just leaving it there. If it's someone with a few quid then it won't be noticed in time. The likelyhood is that it's someone with a lot of money, the lower the amount, the more likely your situation would be.

One of my friends ex-girlfriends was in a bank down salthill in galway, she saw an envelope full of money(was over a grand in it IIRC) and took it...and spent it STRAIGHT away. Considering they have cameras and she probably used her account at the time i taught it was a formality she was going to get caught. Person much have never inquired the bank about it so!

**Poor Student** · 31/03/2008, 6:33 PM

It's a bit of a weird one. The person who originally wrote the cheque will know the serial number of the cheque from the stubs in their book and will be able to find out where the cheque went if they realise it didn't go where it should. As John said, the bank can get a photocopy of the cheque within three working days.

Billsthoughts, a bank can't reverse a transaction cleanly except on the day of the transaction.

**KevB76** · 31/03/2008, 6:34 PM

Dont spend it, when the bank inevitably works out where they misplaced somebody elses money, they will get it back of you. If you spend it now you will be �1800 short a few weeks down the line. Can you afford that?

**Wangball** · 31/03/2008, 8:16 PM

Originally Posted by Bluebeard

You're due out next month, isn't it wangball?

Only if I behave myself............

**onceahoop** · 31/03/2008, 8:39 PM

There could be someone out there who's missed a loan repayment because of it. How would you feel if the same thing happened to you.

Do the right thing and contact the bank.

**paul_oshea** · 31/03/2008, 8:55 PM

the girlfriend just told me ( worked for aib for 4 years ),EB, that they cannot take the money back from your account without your permission, the error is either the banks, or the person themselves, so technically its yours to do what you want to do with it.

**KevB76** · 31/03/2008, 9:58 PM

Originally Posted by paul_oshea

the girlfriend just told me ( worked for aib for 4 years ),EB, that they cannot take the money back from your account without your permission, the error is either the banks, or the person themselves, so technically its yours to do what you want to do with it.

True enough they cant just take it out again without telling you, but that doesnt mean its yours. I imagine the law would be brought down on you if you refused to hand back whats not yours.

**Mr A** · 01/04/2008, 11:08 AM

This reminds me of some strange happenings from the days of DTTR, the Harps fanzine. Mr T checked the balance and was amazed to discover that we had about €1500 when we expected there to be very little in it. When he went and got a statement he discovered that not only had a couple of grand been lodged to our account, but someone had being successfully been using the chequebook (and having the cheques honoured) as well! After much confusion we discovered that Mr T's Da had inadvertently been using the cheque/lodgement book for several weeks- it looked pretty much identical to his own and he didn't notice the DTTR on the cheques, and the bank never picked up on the signature.

Which just goes to show.

**oldyouth** · 01/04/2008, 12:23 PM

Originally Posted by gilberto_eire

Well if that is the case then it will be sorted out by just leaving it there. If it's someone with a few quid then it won't be noticed in time. The likelyhood is that it's someone with a lot of money, the lower the amount, the more likely your situation would be.

One of my friends ex-girlfriends was in a bank down salthill in galway, she saw an envelope full of money(was over a grand in it IIRC) and took it...and spent it STRAIGHT away. Considering they have cameras and she probably used her account at the time i taught it was a formality she was going to get caught. Person much have never inquired the bank about it so!

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??

**OneRedArmy** · 01/04/2008, 12:45 PM

Originally Posted by paul_oshea

the girlfriend just told me ( worked for aib for 4 years ),EB, that they cannot take the money back from your account without your permission, the error is either the banks, or the person themselves, so technically its yours to do what you want to do with it.

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.......

**Dodge** · 01/04/2008, 12:50 PM

Originally Posted by paul_oshea

the girlfriend just told me ( worked for aib for 4 years ),EB, that they cannot take the money back from your account without your permission, the error is either the banks, or the person themselves, so technically its yours to do what you want to do with it.

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?

**John83** · 01/04/2008, 12:53 PM

Originally Posted by Mr A

This reminds me of some strange happenings from the days of DTTR, the Harps fanzine. Mr T checked the balance and was amazed to discover that we had about �1500 when we expected there to be very little in it. When he went and got a statement he discovered that not only had a couple of grand been lodged to our account, but someone had being successfully been using the chequebook (and having the cheques honoured) as well! After much confusion we discovered that Mr T's Da had inadvertently been using the cheque/lodgement book for several weeks- it looked pretty much identical to his own and he didn't notice the DTTR on the cheques, and the bank never picked up on the signature.

Which just goes to show.

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.