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Paid money in but something strange has happened..


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Hello all! new here!

 

Right.. paid some money (well my wife did) into my bank account last week for sum of x. Checked online account and found that the amount credited had been withdrawn and amended to a lower amount minus £20.

 

I queried this with the bank and after 4 working days, an obnoxious woman phoned me and told me I had made a mistake.

 

I asked how can I make a mistake? when the lady at the counter confirmed how much I was depositing and credited my account with the same value?

 

No answer.

 

I asked when did this correction take place? advises at the close of business... I advised that I am 100% adamant that the sum of x was paid in and how can a bank correct this entry after the deposit has been completed? no answer was given and she asked if I had a reciept... never got one so she said there is nothing they can do...

 

I asked them to check CCTV footage to confirm this but shes not interested.

 

Surely this is wrong?

 

Any help would be appreciated.

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CCTV would only prove you went to the branch, not what was transacted. However, why would you have not taken a receipt (they are usually offered if you don;t have a counterfoil to stamp? Faced with it's their word or mine, they will always win - hence the need to get receipts and KEEP them, until the credit has been successfully applied. Paying in by cash is always risky, as there is no other way to prove what you paid.

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Surely the fact that it has been paid in, withdrawn and then another amount paid in is suspicious in itself, have you asked how the withdrawn amount was taken out - if the bank account is in your name and the withdrawal transaction was not made by you then something definately seems amiss.

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can you clarify - did you use paying in book or just hand your card over the counter?

 

If no receipt given why was that - it is normally automatic.

 

If it was at the close of business and the cashier was out by £20 to prove which transaction it was they would have had to check all the days transactions against records.

 

If it clearly shows on your account money in and then an adjustment they should have contacted you anyway to let you know why .

 

I would complain in writing with a copy of print out of your account and ask for proof of the error.

 

jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

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Which bank was it?

 

LTSB don't offer receipts any more unless you use your paying in book. Apparently you can check online to see that the correct amount has been credited! I did query it and they said that they could recover any paying-in slip to prove the amount!!!

 

If you are paying in for someone else, you can ask for a receipt but they don't advertise that.

 

Grumpy

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This happened to my dads business account a few months back. He's with Barclays. I did the banking for him and I paid in money on two seperate slips, and also cashed a wages cheque.

 

When the account statement came in a few weeks later, I noticed an adjustment of £10 made to the money I paid in. I telephoned barclays and was told that the cashier had made a mistake and mis-counted the takings, which meant that she supposedly gave me, with the wages that I withdrew, an extra tenner.

 

My first thought was, surely if I had an extra £10 with the cash I withdrew, then I would have most definately spotted it when I was dividing the wages between employees pay packets.

 

Anyway, Barclays refunded it. I made a fuss about them not having any evidence, and that they just took the money without firstly asking permission or advising us at least. I know its only a tenner, but its principle.

 

You've gotta watch um. They think cos its in their bank its their money, but its NOT, its ours and they're supposed to be taking care of it. Gone are the days when banks really did look after your money and not just swipe it all the time.....

 

LOL

 

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This is a strange one.

money goes missing.

no receipt.

telephonists who couldnt care less.

good grief, what bank is this ?

If you have an on-line account, what does that state happened.

Does your partner know any of the staff who can verify what she payed in.

and for a future note. if you pay cash in and dont get a receipt, go straight to the hole in the wall, and you should be able to get a mini-statement.

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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thanks for the replies all.

 

Now, I will not name and shame the bank in question but Natwest (damn..) have just sent me a letter.

 

To answer some questions, yes the money was paid in on my account, later withdrawn and then credited with the lower amount.

 

The letter makes no mention of this but to confirm that a deposit of x amount was made.... even though I have already queried why x amount was withdrawn but to no answer.

 

I will be replying to thier letter! so watch this space...

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thanks for the replies all.

 

Now, I will not name and shame the bank in question but NatWest (damn..) have just sent me a letter.

 

To answer some questions, yes the money was paid in on my account, later withdrawn and then credited with the lower amount.

 

The letter makes no mention of this but to confirm that a deposit of x amount was made.... even though I have already queried why x amount was withdrawn but to no answer.

 

I will be replying to thier letter! so watch this space...

 

You might like to mention this from the Banking Code 2005

 

Article 10.2

 

If you do not recognise a card transaction which appears on your statement, we will give you more details if you ask us. In some cases, we will need you to give us confirmation or evidence that you have not authorised a transaction.

 

I'd be asking how the withdrawal was authorised (PIN or Signature) and where's their proof. It's your bank who should have a copy of a withdrawal slip.

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