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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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Money sent to wrong account

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I recently sent three payments from my paypal account to my nationwide account and the funds went into another persons account - the original error was a wrong digit in the account number

 

- the bank wrote to the customer finally and they have not responded the phone and email address for the customer is not correct/not connected and the customer -

 

how do I get my money back or how can I find out who the customer is to take it to civil court..this seems to be a huge grey area and no one wants to help - can anyone advise,

 

I am currently waiting on the banks second letter to the customer but don't know what to do if they won't return the money.

They have spent it the bank will tell me there are no funds to return at this stage.

 

I know I have to raise it with the ombudsman and have started this process pending the banks final response...

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Sorry I should have added that it was £1100.00 and it is killing me with stress - I am losing sleep worrying about how I am going to give my kids Christmas and put shoes on their feet in the new year? I am just devastated and I cannot get any help - please can someone help - where do I go - how can I recover my money?

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Who made the 'wrong digit' error, you, Paypal or the bank ?

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I input the wrong digit when I set up the account in paypal originally, the number is then hidden with only the last four digits showing after that - so I made three payments to an account I was saving for Christmas and at the same time set up internet banking with nationwide so my paper statements stopped arriving, - I know it is easy to say check the account but with four small children I gt very little time on the net - right now today is the only morning I get and as my mind is so occupied with this I can do nothing else!

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Surely Nationwide can reverse the payments as this is done quite easily if a person is a [problem] artist?

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No they say the money has gone - paypal have tried to recall the money and the bank has returned the recall as unable to do it, the account holder has spent the money so there are no funds to recall

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I am not sure about the following advice and will need someone to confirm. It may be best to contact the police and report a "theft". They will be able to ask the Nationwide for contact details however I would have thought that Nationwide's response could have been better.

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It is unfortunate but banks can't take funds from an account when they have legitimately been paid into them, but the Financial Services Authority and the Payments Council say that banks must take 'reasonable steps' to try and get the money returned.

 

This is the problem with 'Faster Payments' there is no check on names, only the acc number and sort code are read by the computer.

 

The recipient may not have realised the money was going in and it may already have been spent by now, and there would be nothing the bank could do to compel them to return it.

 

Try and get someone involved like http://www.thisismoney.co.uk/money/index.html (click on Experts) they take up some consumers problem and will help them.

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I am not sure about the following advice and will need someone to confirm. It may be best to contact the police and report a "theft". They will be able to ask the Nationwide for contact details however I would have thought that Nationwide's response could have been better.

 

I tried the police they say it is a civil matter, nationwide will write again but say they will close the case if there is no response

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I tried sending requests to watchdog, and money experts and a half dozen other sites...it is just breaking me - a mess all the time with it now.

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I tried the police they say it is a civil matter, nationwide will write again but say they will close the case if there is no response

 

The police are incorrect and it is no longer a civil matter. The person spent funds probably knowingly that the funds weren't theirs to spend.

BTW in this case I am sure that the Data Control Act allows for the other parties details to be divulged. Read section 35.

Edited by Surfer01

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As far as I am aware UK bank account numbers have a form of encoding that would mean a single digit error would result in an invalid account number.

 

Was this Nationwide account uniquely referenced by a sort code and account number, or did it also need a reference number as well? I ask this as some Nationwide savings accounts require all 3 in order to make funds transfers into them (my Dad's Nationwide account certainly did).

 

Also I cannot understand why you would setup a new bank account in PayPal, not go through the verification process, and then send 3 separate payments totalling such a large amount, without first ensuring the setup was correct.

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As far as I am aware UK bank account numbers have a form of encoding that would mean a single digit error would result in an invalid account number.

 

Was this Nationwide account uniquely referenced by a sort code and account number, or did it also need a reference number as well? I ask this as some Nationwide savings accounts require all 3 in order to make funds transfers into them (my Dad's Nationwide account certainly did).

 

Also I cannot understand why you would setup a new bank account in PayPal, not go through the verification process, and then send 3 separate payments totalling such a large amount, without first ensuring the setup was correct.

 

 

There was only my name, sort and account code. No other code required. The second is because this was the second account added to my paypal account and five years of transfering to my clydesdale bank with no problem..There was no sum sent to check or activate...just kicking myself for missing it but I cannot go back just try to move forward and retrieve the money. I will take it as far as I have to as long as it takes.

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As far as I am aware UK bank account numbers have a form of encoding that would mean a single digit error would result in an invalid account number.

 

Was this Nationwide account uniquely referenced by a sort code and account number, or did it also need a reference number as well? I ask this as some Nationwide savings accounts require all 3 in order to make funds transfers into them (my Dad's Nationwide account certainly did).

 

Also I cannot understand why you would setup a new bank account in PayPal, not go through the verification process, and then send 3 separate payments totalling such a large amount, without first ensuring the setup was correct.

 

I guess it is so frustrating and I am angry there is no clear cut path. i sent money to my name and it is gone no one knows the steps to follow to get it back.

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