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INSERT THE UGLIEST WORD YOU KNOW HERE

What happens when you confuse a reference number for a bankaccount and you send money using the wrong nine numbers? Usually nothing because of some mathmatical rules that a bankaccount needs to follow.

What happens when you confuse a reference number THAT COMPLIES WITH THOSE MATHMATICAL RULES for a bankaccount? You send a considerable amount of cash (3 digits, starts with a 7, in Euro) to the real bank account of a total stranger.

Guess what I did today?

AAAAAAAAAAAAAAAAAAAAAAAARGH!

I contacted my bank, but since the money already has been transferred, there's three possible outcomes.

1) Mr. Stranger is a good person, discovers this money that's not his and sends it right back to me.
2) Mr. Stranger receives a letter from my bank and pays the money back because he's a good person.
3) Mr. Stranger ignores the letter and doesn't contact his or my bank, resulting in me getting his contact details so I can plead my case personally and beg him to give me my money back.

In any case, this could take a while before I get my money back, IF I get it back. Incredibly ARGH!

WHY THE FUG does my bank make me fill out the name and town of a recipient if it doesn't even CHECK if that data is similar to the data attached to the bank account?

Comments

( 4 comments — Leave a comment )
damanique
Jan. 15th, 2008 09:29 pm (UTC)
Gaaahhh! That sucks. x_X;;

Either way, this sort of thing isn't that uncommon. However, the bank can't do much for you legally except try to communicate between you and the stranger.

If it's option #3, you can go to an incassobureau or kantonrechter (no idea what that is in English >_>) and get your money back through legal ways. But there is a price tag on that, too.

And yes, banks don't check the names anymore. That's just a technicality. It's nice if you fill it out, but the payments are processed automatically and since security-wise it would be real hassle to match up the name with the account (you'd have to check the exact spelling, caps, no caps - you'd get a lot of payment errors and delays)

There is another trick method though. Send another small amount of money to the faulty account number (say, 1 euro) and in the commentary section, type your name/e-mail/phonenumber whatever.

Unless the person is a total jackass they'll send you the money back. Let's hope they're not a total jackass. I'm a real goody-two-shoes, so I'd definitely send it back, but yeah :x
murdocnl
Jan. 15th, 2008 09:43 pm (UTC)
Dickheads! Damn, that really sucks, hope it works out man.
lasttowin
Jan. 16th, 2008 12:57 am (UTC)
with that tpye of odds........should have bought some sort of lottery ticket.
sbslink
Jan. 16th, 2008 12:18 pm (UTC)
Yeah, that definitely sucks :(
( 4 comments — Leave a comment )

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