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Money put in my account not mine

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  • 21-10-2020 12:42pm
    #1
    Pauliedragon
    Registered Users Posts: 2,503 ✭✭✭


    I'm sure I know the answer anyway but I'll ask. There was money put in my account today which isn't mine. It's obviously a mistake. I've been on hold to the bank for too long had to hang up and the nearest branch is too far away. Is there anyway I can figure out where this came from so I can sort it out ASAP.


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    #2
    coylemj
    Registered Users Posts: 25,353 ✭✭✭✭coylemj


    Unlikely you can figure out where it came from. Unless the sender's details are visible when you click on the transaction in your online account?

    There's no great urgency i.e. you can't be guilty of a crime if there's a delay in getting it sorted and you don't spend the money. Drop an e-mail to the bank's help desk.


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    #3
    GerardKeating
    Registered Users Posts: 7,542 ✭✭✭GerardKeating


    Pauliedragon wrote: »
    I'm sure I know the answer anyway but I'll ask. There was money put in my account today which isn't mine. It's obviously a mistake. I've been on hold to the bank for too long had to hang up and the nearest branch is too far away. Is there anyway I can figure out where this came from so I can sort it out ASAP.

    "YOU" cannot and should not sort it out, "someone" made a mistake, might not be the bank, whom ever lodged the money might have made a mistake.

    All you can do is inform the bank of the error, i assume you are 500% sure the money is not yours.

    Send them an email, and forget about it, unless you are undergoing a means test with Social welfare, it cannot do you any harm.


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    #4
    893bet
    Registered Users Posts: 8,778 ✭✭✭893bet


    How much money are you talking?


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    #5
    amdublin
    Moderators, Category Moderators, Arts Moderators, Entertainment Moderators Posts: 20,648 CMod ✭✭✭✭amdublin


    The bank should be able to send it back to wherever it came from


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    #6
    micks_address
    Registered Users Posts: 8,474 ✭✭✭micks_address


    Are you sure it's not a mortgage overcharge error or something like that? We had some refunds a few years ago that had me wondering until bank wrote out a few weeks later saying they overcharged and were refunding


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    #7
    E30M3
    Registered Users Posts: 312 ✭✭E30M3


    It's mine Paulie, I just left it 'resting' in your account. I'll pm you my details and you can pop it back there.


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    #8
    GerardKeating
    Registered Users Posts: 7,542 ✭✭✭GerardKeating


    amdublin wrote: »
    The bank should be able to send it back to wherever it came from

    They might not, if it was a cash lodgement at a branch.


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    #9
    coylemj
    Registered Users Posts: 25,353 ✭✭✭✭coylemj


    GerardKeating wrote: »
    They might not, if it was a cash lodgement at a branch.

    That's why they normally insist that the lodger's name, address and phone number are written on the lodgement slip. But in a lot of banks you can do a drop in a mail box so it's possible for someone to do a lodgement without giving their details. Which would be a dumb thing to do in case you entered the wrong payee details and they couldn't trace you.


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    #10
    amdublin
    Moderators, Category Moderators, Arts Moderators, Entertainment Moderators Posts: 20,648 CMod ✭✭✭✭amdublin


    GerardKeating wrote: »
    They might not, if it was a cash lodgement at a branch.

    That's true. I just assumed it was an electronic transfer.

    If it is a cash lodgement, the bank can put it in a suspense account and just wait for some eejit to contact them saying that their lodgement never went through


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    #11
    Pauliedragon
    Registered Users Posts: 2,503 ✭✭✭Pauliedragon


    I got it sorted guys. Cheers. Turns out I was overpaid.


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