Unknown lodgement put in my bank account - nobody i know. Whats going on?

TheC0CK

Someone lodged a large amount of money in my bank of over 500 Euro into my bank account. I am wondering if any of you can tell me a list of sorting codes as I have the sorting code of the bank. Or alternatively a 24 hour line I can call. I am Bank Of Ireland and 365 is currently closed till Monday. If someone can put this cash in my bank, someone can easily take it out. Nobody I know did it. I have a feeling it is a scam.

EDIT: I did not lose any credit card/pass card or anything. The only thing I have tossed away are those statements with ur balance on it.

This lodgement makes no sense. Nobody owes me money.

ferdi

withdraw said money, close said account.;)

TheC0CK

That could really **** me up If i get caught.

Karoma

it's not as easy to withdraw it...
it was me... i got the account numbers mixed um... er... you can put it back into my account...


edit: not really. withdraw the money-hold on to it. chances are it's correct-you just weren't expecting it..

Kai

Originally posted by TheC0CK
If someone can put this cash in my bank, someone can easily take it out.

Well thats not true - to lodge money you just need the name,sortcode and account number.
To withdraw money you need the ATM card and the pin number or other internet forms that require passwords. change your passwords.

Rabies

TheC0CK, you should withdraw the money. Hold on to it for a while, if they don't ask for it back then spend it.

TheC0CK

I will just leave it there for a while and see what happens. Hopefully it will stay there. Would be nice to finall get out of debt.

Adam 3000

you say you could be in trouble... is it not the fault of the bank for putting money there? from what i understand, any money in your account is yours to do what you like with

Oriel

Leave it for a while. Somebody will notice that it's missing and will contact the bank, and they'll trace it.

If nothing happens, contact the bank and tell them what happened. I personally wouldn't keep it - imagine it was your bank account that the money was supposed to go into in the first place.

TheC0CK

Time will tell I guess...

Static

I wouldn't spend it. And no, it's _easy_ to put money into anyone's account. It's not that easy to take it out.

Adam, it may be in your account, but it may not be yours. If the bank screwed up, they still may take it back out of the account. You should read the term&conditions of your account.

TheCOCK, contact the bank first thing on monday, and they will help you trace the payment. In the meantime, check with friends and family.

The Beer Baron

I'd so have those assets liquidised- the hell's wrong with ye?
<sigh> kids these days...

BKtje

Just cos money's in your account doesnt mean its yours.

Wasn't there a family a couple years ago who suddenly found 10,000 in their account or something. They went to spain and spent most of it. The bank then came back looking for it and the family were forced to pay it back.
Im sure there was a court case but i think the family lost tho i'm not sure.

The Beer Baron

Ten grand'd buy me a ticket to Rio and still have enuff money to blow on hookers and coke- get real man!

Silent Grape

summat like that happened to a friend if mine. one day he had over 2,000 pounds (yes, pounds) in his account. spent it all. nowt happend.

The Beer Baron

yeah- see if something like that happens you don't want to buy material items you see. Y'know- like a car or a massive widescreen tv or whatever, nothing that can be repossesed. But blowing it all on women, booze, drugs hell blow it all on a massive drug-fueled bender in Vegas and come home skint. What's AIB gonna do? What can they do?

BKtje

Force you to repay it?

JackKelly

funny story;
last summer i set up my first bank account. Within a week of setting it up, €4,000 turned up in it for no apparent reason whatsoever. After checking the website numerous times, and rechecking i was starting to think maybe i could keep this.I said nothing, but unfortunatly after 2 days, it had disspeared again. Got a letter from the bank in the post apologising for the mistake.weird.i could of been rich

TheC0CK

Originally posted by TimAy
funny story;
last summer i set up my first bank account. Within a week of setting it up, €4,000 turned up in it for no apparent reason whatsoever. After checking the website numerous times, and rechecking i was starting to think maybe i could keep this.I said nothing, but unfortunatly after 2 days, it had disspeared again. Got a letter from the bank in the post apologising for the mistake.weird.i could of been rich

That is not funny. That is quite possibly one of the cruelest stories ever.

BlitzKrieg

this happened to a friend down the hall from me. A bit of cash appeared in his account he took it out to help pay for his accomadation that morning. course 2 days later the bank contacted him explaining it was a filing error and that the money was transferred back to its original account. He considers himself lucky that he spent the money on something he would have had to pay anyway then accidently spend a large chunk of his loan on something along the lines of beer etc.

Bluehair

There was a fantastic incident a few years back just after we had locked in punt-euro exchange rate but before actually changing to the new notes and coins.

Guy who had planned to retire to Spain walks into his local Irish branch to transfer (figures might be slightly off but you get the gist) £4k to pesetas to his account in Spain. Poor new girl in the bank gets the process screwed up and transfers approx €400,000 to the guys account.

He arrives in Spain, checks his account, faints, checks again, gets up off the floor, thinks fast and transfers the money to a seperate account in the same branch.

A few days later the bank cops it and tries to reverse the transfer (unsuccessfully since it had been moved to another account) and puts out a warrent for the guys arrest (illegally as it later turns out).

Poor chap is arrested but very quickly released when he explains what happened.

In the end of the day he managed to settle with them and keep a (unknown) percentage! One up for the ordinary folk

(Seriously though while I wouldn't be too worried about transfers out of your account I wouldn't touch this money until you know where it came from and why, good karma for screwing the banks bad karma for screwing some poor dude who made a mistake on his lodgement slip )

Raskolnikov

I'd leave the money there for a few days, if it isn't claimed then spend the dosh. Remember, the money that was lodged into your account could be someones life savings or payment of some important bill or something.

TheC0CK

Originally posted by Raskolnikov
I'd leave the money there for a few days, if it isn't claimed then spend the dosh. Remember, the money that was lodged into your account could be someones life savings or payment of some important bill or something.

You are contradicting yourself!!!

I am not going to spend the dosh regardless.

aphex™

There was a case a few years back reported on the news where some AIB kept lodging thousands to the wrong account. The person widthdrew the cash and spent it. And off to jail they went.

I love the way people start quoting laws that dont exist. "oh uhh its definatly yours, your account your money, its your right to it" blah blah grow a brain people!.

l3rian

The bank will have something in the account terms and conditions to be able to retrieve that money from your account, so if you spend it, be prepared for the possibility of a debit balance.

Verdammt

Originally posted by ferdi
withdraw said money, close said account.;)

Not a bad idea.

BTW, What does your sig mean. I'm learning German and I'm just curious.

dregin

BTW, What does your sig mean. I'm learning German and I'm just curious.

compliments of Google.com:

"Eggs of the autowindows at the innocent spectators to throw is a pleasing exceeding time"

Make of that what you will

vibe666

if i left some money in your car would that make it your money?

you know it's not yours, and so will the bank sooner or later. unless you're prepared to move house and break all ties with your current identity you aren't going to get away with it, no matter what you spend it on. the bank can and will take you to court for fraud. the fraud being that even tho it's your account it's not your money and you would know that.

normally they'll find it in a couple of days, but you might want to leave it at least am month to be sure. don't move it somewhere else either because that i'll make it look like you had dishonest intentions.

if it was 50k then i'd say go for it, transfer it into another account abroad and piss off somewhere nice for a couple of years (thailand springs to mind, but that's just me:D)

Capt'n Midnight

AFAIK the law runs something like - if you can show resonable doubt that didn't know the money wasn't yours you might get away without reporting it and then keep it, accidentally so to speak.

If however, the amount was such that you couldn't resonably expect it to be there then you can't keep it as you were supposed to have noticed the bank error.

So if you have sold something recently or had a rich relative leave you something etc. or were expecting a bounus or expenses payment then you might get away with "I obviously thought it came from x.."

You could ask the bank who lodged it "I was expecting a couple of donations for the local hospital , and I just wanted to see who lodged it" etc.

Years ago in Oz a bank made a mistake with a BACS type transaction and a whole load of people got their wages paid twice - many closed the accounts pdq.


But don't you just love it when if the bank screws up the other way and they don't have to compensate and when they rarely screw up in your favour then you almost invariably have to hand it back - again without compo..

Jokah

You asked for a list of Sort Code numbers.

Go to this website HERE and call these people on the phone...its in the contact section

Say you want to identify a sort code number and they will tell you no problem.

They issue the sort code books for Ireland so they have all the knowledge....

nlgbbbblth

if you want to know details of the lodgment contact your branch giving them the date and amount and they will be able to ascertain where the money was lodged and possibly get a photocopy of the lodgment docket

I notice a double-standard here - not TheCOCK but some of the other posters

If some of you had €500 mistakenly WITHDRAWN from your account would you be keeping quiet about it and not bother to say anything to the Bank?

would you f**k!
You'd be straight onto the Bank to complain

Mistakes happen, people are only human.

NinjaBart

i taught that theCOCK was ronaldo7. this is just like that stupid kiddie porn thread.

TwoShedsJackson

It's probably the next installment from Manchester United's 'retarded supporter help scheme' Ronaldo7 :rolleyes:

Sleepy

The bank can trace whoever lodged the cash if you ask them. The lodgement docket will have been kept and whoever lodged the cash had to sign it. They can look that up for you. That's how it worked 3 years ago when I worked in the bank at least...

If the money hasn't been traced inside a month, odds are that it never will be...

TheC0CK

i taught that theCOCK was ronaldo7. this is just like that stupid kiddie porn thread.

What are you ON?

Update on situation: Called 365 today. Couldn't help me. Said they will trace it and get someone to call me back more than likely tomorrow. I just said I just want to know who it is from, never said I didn't expect it or anything.

TwoShedsJackson

Please keep updating us regularly. I'm having difficulty controlling my bowels due to the excitement.

Asok

Originally posted by TwoShedsJackson
Please keep updating us regularly. I'm having difficulty controlling my bowels due to the excitement.

Now there is a mental image thats going to stick with me for the rest of the day :Shudder:

gucci

happened to a mate of mine before christmas,he suddenly found 2,300ish in his account,hadnt a clue how it got there so he did the noble thing and took rake of it out and we went on almighty rip for 2days,then went home at the weekend and realised it was a cheque his dad had got for some farming thing that his mother had lodged to his account and not his dads account by mistake!!
lucky for him his dad didnt tear him a new arse-hole for spending bout 400 euros of it and said he would have done the exact same thing......maybe theCOCK is u john?has it happened again?have you gone soft in your old age?

BKtje

Whats that law about ownership?
If people dont claim it within 6 months its yours or something?

vibe666

how about this (just playing devils advocate btw, don't take it personally):

your 6 year old niece has a rare form of leukemia and only treatment at a special clinic in the states can save her life, as it's not available in europe. you've spent the last 6 weeks holding fundraisers and going door to door to raise cash for your poor brother and sister in law so they can get the money together for the treatment, and as soon as you get the cash together you transfer it into their bank account so they can get going as soon as possible, but you make an error with the account number and the person who's account it got paid into just spent it on a weekend of sex and drugs in amsterdam.

or alternatively it was some rich kid who asked daddy for an extra 400 quid for 'books and stuff' while he's at college which he'd fully intended to spend on nose candy and hookers.

the truth is it could be either, or a hundred different things, but without telling the bank you'll never know, and even if you do, you might never find out what really happened.

its up to you, but i know what i'd do. maybe.

Unexpected

For the love of God, I am not going to spend it. Unless, of course it is mine to spend. It is in the banks hands now. They are not taking it out until they explain to me who it is that put it in.

ecksor

Originally posted by Unexpected
For the love of God, I am not going to spend it. Unless, of course it is mine to spend. It is in the banks hands now. They are not taking it out until they explain to me who it is that put it in.

What?

Static

Unexpectedly, he had multiple accounts.

Unexpected

I am actually going to go insane if i have to do this one more time. WHY DONT PEOPLE LOG OUT BEFORE THEY PASS THE COMPUTER OVER?

EDIT: Why cant i log out of this account? The pc will not let let me.

HELP PLEASE!

TheC0CK

problem sorted.

For the love of God, I am not going to spend it. Unless, of course it is mine to spend. It is in the banks hands now. They are not taking it out until they explain to me who it is that put it in.

Is what I wanted to say.

Sorry Dave(Unexpected); Your little cookies wouldnt piss off. So I had to delete them manually.

elexes

from what i rember there was a couple from wexford that brought the bank to court . basicly there was a error a 7 was pressed instead of a 4 for a direct debit type thing and they recieved 2 million . a few days later the wife of the 2 saw the mistake and reported it to the bank .

the bank thanked her and went on to withdraw the said cash but never did . instead another month passed and they got another 2 mil . after this the husband went to seek legal advice to which he was told its yours now . and expect a court case out of it .

the couple ended up with 8 million by the time the bank stoped the dd . tried to take the cash back after they took it they were charged with somthn and agreed a out of court setelment with the couple

seanybiker

Cool nice one. leave it there for a few weeks if nothing happens go on a spending spree. dont forget me if you get the money. go on the pist

catsup

a couple of years ago i was working for a well known music shop in dublin, one month i got paid double the usual. of course i quickly transferred the money into a different account and didnt say a word.
a few days later i found out that not only had everyone in the shop got paid double...but everyone working for the company in ireland got paid double.

my feelings of wealth and stealth quickly evaporated as i was forced to explain why they couldnt extract the money from my account.

lesson learned.

woosaysdan

keep it for a while and if nothing happens spend it!!!

vibe666

i wasn't having a go COCK, i just wanted to give a couple of examples of how it might have got there. like i said it could be some posh D4'er getting it off daddy for nose candy.

on a kind of related note, in the town where i used to live there was a company (large rural agriculteral group) who paid their 40 odd staff (office workers, drivers, factory workers etc.) in cash on a weekly basis. anyway the long and short of it is that they were held up by a bunch of guys with shotguns who took the lot.

police were called and spent a couple of days interviewing the witnesses and getting all the evidence etc. before getting 'on the case' looking for the culprits. bad news was that it meant nobody got paid, so they management said they'd pay everyone double the following week with a little (modest) bonus for the grief of not getting paid, and getting robbed.

payday came round and everyone was looking forward to their fat pay packets, at which point (yep, you guessed it) the same robbers walked in and nicked the lot again, not only geting double the last time, but the bonuses as well.

they all get paid by direct debit now anyway.

full forward

We accidently paid a regular customer of ours over €93,000. He rang us and told us but we would have picked it up anyway (I think).