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

TheC0CK · 27-03-2004 04:29PM #1

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 · 27-03-2004 04:30PM

withdraw said money, close said account.;)

TheC0CK · 27-03-2004 04:31PM

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

Karoma · 27-03-2004 04:32PM

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 · 27-03-2004 04:33PM

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 · 27-03-2004 04:44PM

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 · 27-03-2004 04:46PM

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 · 27-03-2004 04:57PM

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 · 27-03-2004 05:05PM

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 · 27-03-2004 05:08PM

Time will tell I guess...

Static · 27-03-2004 05:18PM

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 · 27-03-2004 07:44PM

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

BKtje · 27-03-2004 07:54PM

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 · 27-03-2004 07:59PM

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 · 27-03-2004 09:19PM

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 · 27-03-2004 09:24PM

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 · 27-03-2004 10:22PM

Force you to repay it?

JackKelly · 27-03-2004 11:29PM

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 · 28-03-2004 02:52AM

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 · 28-03-2004 03:32AM

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 · 28-03-2004 03:48AM

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 · 28-03-2004 12:13PM

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 · 28-03-2004 12:16PM

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™ · 28-03-2004 12:21PM

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 · 28-03-2004 01:43PM

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 · 28-03-2004 01:54PM

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 · 28-03-2004 02:02PM

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 · 28-03-2004 03:49PM

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 · 28-03-2004 04:18PM

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 · 28-03-2004 09:07PM

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 · 28-03-2004 10:20PM

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.

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

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