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Author Bank error...whats the chances?
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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26th Jan 10 at 20:54   View User's Profile U2U Member Reply With Quote


I went to pay cash and a cheque in at the bank at the weekend, filled out a paying in form with it altogether but realised you have to use 2 separate machines to do it, so I paid cash in with my card, then used the slip with the cheque (£27.41) unaltered, and someone hasnt checked it so my cash has been paid, so has my cheque, and my cash has gone in again......

Im assuming theres a fairly low likelihood of me keeping this BUT surely the cheque has had to go through a manual check by a person so they wont find out now.....
Twiggy
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Registered: 15th Oct 04
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26th Jan 10 at 20:58   View User's Profile U2U Member Reply With Quote
Whoop whooop!!

How much cash?
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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26th Jan 10 at 20:58   View User's Profile U2U Member Reply With Quote
Significantly more than the cheque value above
Shane
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Registered: 10th Jan 04
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26th Jan 10 at 21:00   View User's Profile U2U Member Reply With Quote
have they missed the decimal place out?
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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26th Jan 10 at 21:01   View User's Profile U2U Member Reply With Quote
No no, its gone in exactly how I written it, just with the absence of cash banked with it
stan_the_man
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Registered: 14th Feb 07
Location: Perth, Western Australia
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26th Jan 10 at 21:01   View User's Profile U2U Member Reply With Quote
Withdraw it all and keep it to the side for a while IMO.
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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26th Jan 10 at 21:04   View User's Profile U2U Member Reply With Quote
Withdrawing it wont stop them taking it back though will it, it just put me in my overdraft then I will end up paying for it At least if its there and they want it back it wont damage my finances more
Generation
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Registered: 7th Jul 09
Location: Essex
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26th Jan 10 at 21:07   View User's Profile U2U Member Reply With Quote
They 95% will find out I have worked in a bank, and when the books are out, they will go back to look otherwise prsonal people are held responsible
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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26th Jan 10 at 21:12   View User's Profile U2U Member Reply With Quote
Ill wait and see then, if they dont take it, thats next years gas bill taken care of
Generation
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Registered: 7th Jul 09
Location: Essex
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26th Jan 10 at 21:14   View User's Profile U2U Member Reply With Quote
Thats what I would do
DizzyRebel
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Registered: 2nd Jan 09
Location: Lincoln
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26th Jan 10 at 21:17   View User's Profile U2U Member Reply With Quote
withdraw it and close the account
N16K
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Registered: 4th Oct 04
Location: Belfast, NI Drives: Corsa D SRi, Tuned Cooper S, B
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26th Jan 10 at 21:27   View User's Profile U2U Member Reply With Quote
when they find out they will tell you and set a date they take the money back.
Generation
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Registered: 7th Jul 09
Location: Essex
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26th Jan 10 at 21:33   View User's Profile U2U Member Reply With Quote
What bank was this with, as a cheque doesnt usually clear this quick, funds usually available after few times, but cheques can still bounce up to 7 days later with some banks, so have time to find out
GF-91
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Registered: 8th Jul 09
Location: Burnley!
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26th Jan 10 at 21:34   View User's Profile U2U Member Reply With Quote
Should take it out of the persons [who processed it ] wages. Not dannys fault.
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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26th Jan 10 at 21:36   View User's Profile U2U Member Reply With Quote
HSBC cheque being paid into a HSBC bank account, probably why it was so quick
Generation
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Registered: 7th Jul 09
Location: Essex
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26th Jan 10 at 21:47   View User's Profile U2U Member Reply With Quote
Gf works at that one lol I was at Barclays. I'l ask her if I remember
DaveyLC
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Registered: 8th Oct 08
Location: Berkshire
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26th Jan 10 at 21:50   View User's Profile U2U Member Reply With Quote
If you use paying in envelopes they normally up your ballance instantly by what ever you say you've paid in but its not your 'available ballance' until they confirm the funds.
s-salvage
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Registered: 16th Dec 09
Location: north west
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26th Jan 10 at 22:44   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by DaveyLC
If you use paying in envelopes they normally up your ballance instantly by what ever you say you've paid in but its not your 'available ballance' until they confirm the funds.


thats pretty much correct, i did work experience in a bank when i was at school and every morning i was there i had to go through all the evelopes from the previous day and check that the cash/cheque was the correct amount that they had typed into machine, if not correct someone went onto the account on the computer and ammended the balance

[Edited on 26-01-2010 by s-salvage]
Generation
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Registered: 7th Jul 09
Location: Essex
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26th Jan 10 at 22:52   View User's Profile U2U Member Reply With Quote
They don't do that much anymore due to people lying and taking money out, never to retrun. I know most HSBC'S use a cash scanner that scans money before its added like a chnage machine does, hence need fo seperate machines.
Cheques were usualy processed "out the back" by a "podder"(as we caled it) they basically add checks to the system, then add fund to account, not if the "podder" is out, they will know about it, its just finding the mistake.

Thats it HSBC works same as Barclays
s-salvage
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Registered: 16th Dec 09
Location: north west
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26th Jan 10 at 22:58   View User's Profile U2U Member Reply With Quote
well it was 8-9 years ago when i did my work experience, so i'm not surprised its all changed
Cosmo
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Registered: 29th Mar 01
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27th Jan 10 at 00:33   View User's Profile U2U Member Reply With Quote
I once paid in £400 cash and a £1000 cheque at the counter.

Got my statement a few weeks later and my paid in amount was £400,000+, the silly bint had cocked up and added the three 000 to the end of the cash amount.

I never noticed until after the statement came though, so although I had it in there for about a week or so I never got to keep it
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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27th Jan 10 at 07:24   View User's Profile U2U Member Reply With Quote
Thats large scale funds though, I might be able to keep my small amount of fraud

Its still there this morning and my available balance shows the entire amount
mwg
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Registered: 19th Feb 04
Location: South Lakes
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27th Jan 10 at 08:53   View User's Profile U2U Member Reply With Quote
I would probably be honest and mention it to the bank as chances are you'll only be found out anyway. As much I'd like to keep it dont think I could
sc0ott
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Registered: 16th Feb 09
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27th Jan 10 at 09:13   View User's Profile U2U Member Reply With Quote
they will spend a thousand to save a pound
a_j_mair
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Registered: 23rd Jan 04
Location: Scotland
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27th Jan 10 at 09:41   View User's Profile U2U Member Reply With Quote
no chance will be withdrawn from your account within 2 days imo

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