Bank

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Fronty

Active Member
right guys need a little advice.

i wrote my father a cheque for £800 out of an account i no longer use (alliance and leicster) so i had to take the money out of my current account and transfer it so that the cheque would clear i did this the day after the cheque was paid in.

So i get a letter saying the cheque had bounced and ive ahd nearly £110 worth of charges for the **** of it

£35 for bouncing £25 re submitting fe and the rest over overdraft fees. so anyway as you can imagina i was a litttl ehacked of as 1) the money was there 2) they said money has to be in the account the day its submitted hency why it bounced.

Spoke to my father and hes looked and his cheque has cleared, he has also phoned barclays and they have also tol him that the cheque is clear and its showing as cleared funds in his account.

A and L have charged me thos charges but have refunded £690 £800 - charges to my account.


RESULT im nearly £700 up now do i just got and spank it on a big weekend bender or can they ask for it back since it isnt my fault they cleared the cheque in theory they should take that up with barclays ???

Advice please guys !
 
i would wait and leave it in your account for a while. If its still there after a few months then spend it 8)
 
this reminds me of something that happened to me when i was 16.

It was when all the banks went on the stock exchange and all the customers recieved shares. As i was only 16 i was not entitled to get the shares as u have to be 18 but i recieved 200 and instantly sold them for about 750 quid and blew the lot on cider, clothes and loads of crap.

When the bank realised they said 'it was our mistake enjoy the money'
 
I would leave it for a few weeks and like someone else said if its still there just spend it. Their fault in the first place!
 
If you have recieved money in error you are obliged to return it if asked.

If your ATM gives out thousands of pounds in error you will have to pay it back.

If they have refunded money not due to you it's the same principle.

I'm sure the bank system is audited and the amount will be identified.

I would speak to the bank and clear it up, you may get away with it.

But one things for sure, you get nowt for nowt easily.

You could stick it in a savings acount with a 30 day access notice period and high interest rates and forget about it.

If they havent come back within a 12 mnth period i'd expect you will have got away with.

Blowing it straight away would be the wrong thing to do, however tempting it may be.

Sorry for sounding like your dad by the way.:lol:
 
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