Barbra Posted April 13, 2007 Report Share Posted April 13, 2007 (edited) Got a bank statement through just, and i quote:previous balance - 9.74withdrawn - 6.99paid in - 115.02New balance - 117.77Now i don't know where the hell that money has come from, it can't be interest as i brought a tool from chain reaction like a week ago (which is what the 6.99 is) I don't think it could've been the 'rents as they're always skint and they havn't got my card/card number/ account details.Anyone had anything like this happen. I also quote the real hustle.if it looks to good to be true, it usually is Edited April 13, 2007 by Barber Quote Link to comment Share on other sites More sharing options...
Ben Cox Posted April 13, 2007 Report Share Posted April 13, 2007 tax return? Quote Link to comment Share on other sites More sharing options...
fathopper Posted April 13, 2007 Report Share Posted April 13, 2007 Ema bonus, do you get ema?? Quote Link to comment Share on other sites More sharing options...
Haz Posted April 13, 2007 Report Share Posted April 13, 2007 Got family members who might have accidentally used your paying in book to pay in one of their cheques, so it went into your account?My mum has done it at least 3 times to me...Personally, wouldn't touch it untill you've spoken to the bank, they can tell you where it was payed in and stuff. Quote Link to comment Share on other sites More sharing options...
Barbra Posted April 13, 2007 Author Report Share Posted April 13, 2007 well no because, all my stuff is upstairs, i'm only 15 so no ema for me just yet, and again how can i be returned any tax if i don't pay it. this confuses me Quote Link to comment Share on other sites More sharing options...
Davey Posted April 13, 2007 Report Share Posted April 13, 2007 More than likely it is a mistake by the bank, so don't go spending it because they will be asking for it back if that is the case. You may find it's gone again in a few days time when they reaslise what they have done, it's happened to me a few times!Davey Quote Link to comment Share on other sites More sharing options...
Bluegrass Posted April 13, 2007 Report Share Posted April 13, 2007 Withdraw it all and run away to Mexico On a serious note, contact your bank and enquire about it. No doubt if you go around spending like mad, the 'actual' owner of the money will investigate and somehow claim it back, leaving you in a pickle!! Quote Link to comment Share on other sites More sharing options...
Joe_Elding Posted April 13, 2007 Report Share Posted April 13, 2007 Dont tell them about it for a week of so. if nothing happens to it and they dont say anything. spend it.. Quote Link to comment Share on other sites More sharing options...
Mr Motivator Posted April 13, 2007 Report Share Posted April 13, 2007 Oh yeah sorry Barber, I accidently put that 117.77 in your bank! I meant to transfer it to my sisters account. Can you PayPal it back to me? I don't even have a sister. Or maybe I do, who knows Quote Link to comment Share on other sites More sharing options...
Davey Posted April 13, 2007 Report Share Posted April 13, 2007 Dont tell them about it for a week of so. if nothing happens to it and they dont say anything. spend it..This is not a good plan. Unfortunately it works the same as the tax man, if he doesn't tax you enough it's his mistake but you still have to pay up. No matter how long you wait that money is not yours and they are within their rights to ask for it back at any time, and as they are the bank they wont ask they'll just take! There is probably some period of time afterwhich it becomes legally yours but it's going to be a matter of years not weeks!Davey Quote Link to comment Share on other sites More sharing options...
B.E.A.U Posted April 13, 2007 Report Share Posted April 13, 2007 Got family members who might have accidentally used your paying in book to pay in one of their cheques, so it went into your account?My mum has done it at least 3 times to me...Personally, wouldn't touch it untill you've spoken to the bank, they can tell you where it was payed in and stuff.ye my mom did that to me and it said i had 634 pound i wasl iek wooooo new frame was about to order until she relised what she did i wanted to cry. Quote Link to comment Share on other sites More sharing options...
hugh_b Posted April 13, 2007 Report Share Posted April 13, 2007 if the bank has fooked up and payed it into your account i dont think they can actually touch it. Worth ringing them and asking where it was payed in etc. Just wait and see what happens. Quote Link to comment Share on other sites More sharing options...
Davey Posted April 13, 2007 Report Share Posted April 13, 2007 if the bank has fooked up and payed it into your account i dont think they can actually touch it. Worth ringing them and asking where it was payed in etc. Just wait and see what happens.Trust me when I say they can and they do. I've had it happen more than once, sometimes it's with small amounts like 20p and other times it's been £60 but I only realise when I get my statement and it's on there as a credit then a debit a few days later!Davey Quote Link to comment Share on other sites More sharing options...
hugh_b Posted April 13, 2007 Report Share Posted April 13, 2007 Trust me when I say they can and they do. I've had it happen more than once, sometimes it's with small amounts like 20p and other times it's been £60 but I only realise when I get my statement and it's on there as a credit then a debit a few days later!Daveyoww right sorry my mistake. They did it to a friend of mine a while back and payed in too much to his account. They never touched it. Must just be luck lol. -hugh Quote Link to comment Share on other sites More sharing options...
sfboy Posted April 13, 2007 Report Share Posted April 13, 2007 They can ask for it back, but then you have the legal right to charge them 'service fees', saw an article on it once. Dunno how you go about doing that but can be done apparently! Quote Link to comment Share on other sites More sharing options...
Davey Posted April 13, 2007 Report Share Posted April 13, 2007 (edited) They can ask for it back, but then you have the legal right to charge them 'service fees', saw an article on it once. Dunno how you go about doing that but can be done apparently!This is true, but with all this stuff about claiming back unlawful bank charges I dont think it's wise, as the bank will do the same to you. You'd have to be able to prove that the fee you're charging is lawful, ie; that it represents the actual cost of giving back the money, which really there isn't one because it costs you nothing. So be careful. At the end of the day, is it really worth the hastle, it's not yours and it's not like you'll miss it, just call the bank and ask what it is, it could be a payment from a very long time ago which they have only just credited to your account. People have the common missconception that every transaction is instant, but when you pay for something with a debit or credit card it may not leave your account for weeks even months on very rare occasions!Davey Edited April 13, 2007 by Davey Quote Link to comment Share on other sites More sharing options...
Village Idiot Posted April 13, 2007 Report Share Posted April 13, 2007 Can you get an itemised/detailed bank statement that tells you where the money has come from, or tells you whether it is cash/cheque/bank transfer/...? Quote Link to comment Share on other sites More sharing options...
Barbra Posted April 13, 2007 Author Report Share Posted April 13, 2007 (edited) Dave i think your right. Just had another look at the other sheet from my bank it says.interest - 0.02credit - 15.00credit - 100I'll wait for my Dad come in and tell him about it, then ring up the bank. Edited April 13, 2007 by Barber Quote Link to comment Share on other sites More sharing options...
Davey Posted April 13, 2007 Report Share Posted April 13, 2007 Dave i think your right. Just had another look at the other sheet from my bank it says.I'll wait for my Dad come in and tell him about it, then ring up the bank.Other thing to remember, if you're getting that off a printout from a cash machine, it will not necessarily be accurate and you may find two different machines tell you different things. Pending transactions do show on some and dont on others, if you bank at barclays the most accurate will be a barclays ATM as you would expect, but a link one may not include your most recent transactions. Also it's always taken from the close of business the night before, so if you've spent anything since or any standing orders have gone out since they will not show. In general the balance on screen at an ATM isn't very reliable if you have a lot of standing orders, direct debits and things!Davey Quote Link to comment Share on other sites More sharing options...
Barbra Posted April 13, 2007 Author Report Share Posted April 13, 2007 (edited) Ah, that would explain the £100 that i spent through direct debit at tarty. But what of the other 15. Hmmm i think i'll leave it now the 15 obviously came from, and left but i can't remember it like the £100 cheers Davey Edited April 13, 2007 by Barber Quote Link to comment Share on other sites More sharing options...
JonCongreve Posted April 13, 2007 Report Share Posted April 13, 2007 I don't want to hijack your thread, but i didn't want to start a new one....Basically, can banks make mistakes with cash machines? Can they take out more money then what they should actually take out? Quote Link to comment Share on other sites More sharing options...
Davey Posted April 13, 2007 Report Share Posted April 13, 2007 I don't want to hijack your thread, but i didn't want to start a new one....Basically, can banks make mistakes with cash machines? Can they take out more money then what they should actually take out?There was a faulty cash machine recently which was giving out £20 notes instead of £10 notes, so you'd get twice the ammount if you drew it out in tenners. I think it was due to it being filled incorrectly or something, so electronically the right ammount was removed from your account but you got twice as much in cash, bonus!!!! But this doesn't happen often, that's the only time I've heard of it!Not sure if that's what you mean though, can you give an example of what you mean because it's not 100% clear!Davey Quote Link to comment Share on other sites More sharing options...
Si-man Posted April 13, 2007 Report Share Posted April 13, 2007 what does my head in is the fact that you could pay for an item at a shop with a debit card, then check your bank like an hour later and it hasnt changed,Gone over my limit so many times because of that! Quote Link to comment Share on other sites More sharing options...
downhill_rob2@hotmail.com Posted April 13, 2007 Report Share Posted April 13, 2007 Thats kinda like me... got my wage slip through post this morning...Normally would have got a shoddy £80... but instead, i got £114 Think its cause over easter, might get a bonus...?You got an apprenticeship? with carillion by any chance? Quote Link to comment Share on other sites More sharing options...
Hendrix Posted April 13, 2007 Report Share Posted April 13, 2007 I remember reading about a Cash Machine giving out free money once.Can't remember where it was - but DAMN - I wish I'd been there! I would have helped them pick up the money Quote Link to comment Share on other sites More sharing options...
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