woosorry to TJ but: does anyone know about banking laws? cause i've just looked at my account and found it has £14000 more than it should have!
Can i spend it? (please)
(,
Thu 22 Jan 2004, 14:36,
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Can i spend it? (please)
nopeYou'll have to transfer it into my account. Only then will you be safe
(,
Thu 22 Jan 2004, 14:36,
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And your card expiry dateand those little numbers on the back...
pls.
(pls.
dr_fonz,
Thu 22 Jan 2004, 14:38,
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Sadly noa friend of mine had a similar thing happen and he spent it and nearly got bollocked.
basically if you KNOWINGLY spend it knowing it shouldnt be there, then you're fucked. seeing as we all know you know its not yours, you're totally fucked if you spend it.
(basically if you KNOWINGLY spend it knowing it shouldnt be there, then you're fucked. seeing as we all know you know its not yours, you're totally fucked if you spend it.
dr_fonz,
Thu 22 Jan 2004, 14:37,
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You could put it in a high interest account for a lttle whileand skim off the profits.
( dr_fonz,
Thu 22 Jan 2004, 14:39,
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you can only have a max of 7000 in an ISAand only 3000 of that can be cash, the rest has to be shares and stuff.
(
Thor_sonofodin has done things, terrible things on,
Thu 22 Jan 2004, 14:43,
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you can split it into 3 accountsyou could have a cash ISA for more instant access. I personally have a mini ISA which needs to mature for 5 years before i really touch it. Then I will buy a concorde so i can decoupage kittens to it.
(
*lou,
Thu 22 Jan 2004, 14:45,
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That's rightPretend that you don't know about it. Ask your bank to transfer all of your funds into a high-interest account without asking for a balance. Wait for someone to ask for it back. I know someone who received £776,000 instead of £76,000 as a pension lump sum. Kept it for over a year made £18,000 interest.
(,
Thu 22 Jan 2004, 14:44,
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I seem to remember thateven though you have to repay money that isn't yours the bank has to treat it as an interest free loan so you pay it back at a nominal rate like a fiver a month.*
* I may be talking out my arse.
(* I may be talking out my arse.
dirty barry,
Thu 22 Jan 2004, 14:42,
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That is truebut only if you spend it unknowingly. If you knowingly spend it then you are committing fraud, and they can do you (up the arse, if they wish).
( dr_fonz,
Thu 22 Jan 2004, 14:46,
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Collectinterest, I don't see anything wrong with that :) Just don't go thinking you have more money then you actually do.
(,
Thu 22 Jan 2004, 16:51,
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Nope, confess now, otherwise when you have spent it you might have trouble paying it back. That money is not yours. (This is true, I'm not taking the piss)
(
magnum,
Thu 22 Jan 2004, 14:38,
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ask for it in the form of a bankers draft and then put it in a saftey deposit boxzthat way, you haven't spent it, but it's not in your account for them to transfer out again.
if push comes to shove, you can give them the bankers draft back. if not, you'll have the money sitting on ice waiting for you.
(if push comes to shove, you can give them the bankers draft back. if not, you'll have the money sitting on ice waiting for you.
Thor_sonofodin has done things, terrible things on,
Thu 22 Jan 2004, 14:42,
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now thats a corker.but would be good investing it somewhere.....
I'd pretend you haven't seen it and spend away.
(,
Thu 22 Jan 2004, 14:48,
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I'd pretend you haven't seen it and spend away.
I read about a bloke doing that a while agoDropped a fake junk-mail cheque (of the "you-have won-our-magnificent-prize" variety) and, to his shock, it got accepted and put into his account. Very well-written account of it online somewhere (googling now...).
I'm told that if you report bank errors in your favour, the banks often give some sort of cash reward. Probably about 50p, but at least you're still in profit.
(,
Thu 22 Jan 2004, 15:12,
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I'm told that if you report bank errors in your favour, the banks often give some sort of cash reward. Probably about 50p, but at least you're still in profit.