cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
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Checked my bank account yesterday and I've got £670 too much in there.
I had a payment of £670 go in there on the 10th September but I have no idea what its for or who its from.
Rang the bank today, to ask where it came from. They tell me it was cleared by BACS on 10th, and is a "refund."
I asked who it was from and all they could tell me was a reference number which meant nothing to either of us.
Now my dilema, is it legally mine? Do I take it out and treat it as an unexpected windfall and blow it? Or should I hang on to it in case its been paid into my account by mistake somehow and someone tries to claim it back. 
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Sooty
Banned
Registered: 9th Mar 03
Location: FLAP CENTRAL
User status: Offline
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cant claim it back... withdraw it asap... spend it
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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yes they can its happened to my mum and my bro before u have to give it back
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MatthewR
Member
Registered: 21st Oct 02
Location: Rickmansworth
User status: Offline
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Take it out now!!!!!!!
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Sooty
Banned
Registered: 9th Mar 03
Location: FLAP CENTRAL
User status: Offline
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My mate had 800 quid mysteriously added to his account from an unknown source, just took it out and kept it
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paul_spurrell
Member
Registered: 14th Sep 01
Location: Bath Avon
User status: Offline
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they can claim it back
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cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
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I'm self employed and the only "refund" I can think of would be a tax rebate, but surely the bank would know if it came from the Inland Revenue.
I might take it out but hang on to it for a while just in case it isn't mine, but when I spoke to the bank on the phone, they seemed to think it obviously was mine. I wish I knew what it was for though.
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Stuckey
Member
Registered: 5th Jun 02
Location: Plumstead, Greater London
User status: Offline
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withdraw it and keep it at home, after say a month spend it
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cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
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quote:
Originally posted by Stuckey
withdraw it and keep it at home, after say a month spend it
Thats what I'm planning on doing. I've queried it with the bank and they say its mine. I just wish I knew what it ws for or where its from.
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Stuckey
Member
Registered: 5th Jun 02
Location: Plumstead, Greater London
User status: Offline
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or if u spend it straight away, make sure u have at least 670 so u can pay em
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antonOO2
Member
Registered: 17th Sep 02
Location: Midlands
User status: Offline
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i always thought they sent cheques out for tax rebates ,i might be wrong
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nik
Member
Registered: 19th Jun 00
User status: Offline
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Get them to sign something stating it's your money. If not then they can ask you to repay the cash so I wouldn't go taking it out until your sure.
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cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
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quote:
Originally posted by antonOO2
i always thought they sent cheques out for tax rebates ,i might be wrong
I've no idea. I pay almost 4k every 6 months for tax and I've never had a rebate. All I know is that the payment is a "refund."
I've told the bank that I have no idea what it is for, but they assured me it is mine. I think I'll withdraw it, hang on to it for a month then start spending it 
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antonOO2
Member
Registered: 17th Sep 02
Location: Midlands
User status: Offline
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well my dad gets rebates through the post neva paid direct nto his account.i look after his books you see.
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antonOO2
Member
Registered: 17th Sep 02
Location: Midlands
User status: Offline
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quote:
Originally posted by antonOO2
well my dad gets rebates through the post neva paid direct nto his account.i look after his books you see.
i get to know what he earns when and how 
hes loaded so ive asked for a decenr Bday present
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G.C.M
Member
Registered: 14th Aug 03
Location: Sunderland
User status: Offline
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a work for a bank mate - just get a letter signed by the bank to say they put it in, you have checked with them that it is yours and that they do not have an interest in it and will not attempt to claim it at a later date. once the letter is signed, they cant touch that money
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Voyto
Member
Registered: 9th Feb 03
Location: Stafford
User status: Offline
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its mine. i transfered it by mistake. please send me a cheque asap 
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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cobra it was for that shipment of class A. where da hell is it?
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cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
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GCM cheers, I'll do that.
Munchie, I thought you only sent £4.50..typo??
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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£4.51 actually! stay in touch for when i get da goods!!!
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Dan B
Member
Registered: 25th Feb 01
User status: Offline
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Just checked with my mum, who works in a bank...
The bank are unlikely to sign anything to say the money is 100% yours, as if it turns out not to be, they have to be able to claim it back from you (and they can do this at any time).
What they should be able to do is trace the bank the money was paid in from, and from that, they can write to that bank and find out the customer who made the payment......I'd get them to do this before withdrawing it and going on a spending spree.
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Yeah I would have thought your bank can put a trace and find out the source of the money... Sounds like someone's given you some cash by mistake!
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