拢26,000 Richer
Adele took a look at her bank statement only to find out she was 拢26,000 better off than she thought she was.
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How stupid can you get? You know the money isn't yours and don't need to be a genius to realise a mistake has been made. So you simply don't spend the money - you could put it in an easy access savings account to get the interest.
Complain about this postYour listener should contact her local CAB money adviser who will be able to help her negotiate with the bank. The bank may think they can recover all the money - in reality it is more complicated and as it sounds as if your listener had a good reason for expecting a large payment into her account, Therefore the recovery action may be challengable and the bank should certainly not be taking benefit money to repay the alleged "debt". She should also look at the Banking Code (free copies available in bank branches).
Complain about this postI have no sympathy. where did she think it came from? compensation isn't just put into your bank account without your knowledge. she should at least have queried with the bank when the money was paid in and where it came from.
Complain about this postSurely most people receiving 拢26,000 into their account with no knowledge of its origin would check where it had come from. Whilst I sympathise with Adele's predicament it was stupid in the extreme to assume that it really was her money
Complain about this postI feel a natural sympathy for Adele, as she looks at a future of debt repayment. But surely any one in this situation would thoroughly check what has happened to boost the bank account by 拢26000 before spending it?
Complain about this postAs acompromise, how about the bank calculates what percentage of their profits 拢26000 is and then applies that percentage to Adele's income as a repayment rate. She'd repay a penny a decade.
Is it just me or is this just a lazy attempt to suggest that the banks are greedy rather than the woman concerned stupid beyond belief.
If 拢26,000 suddenly appears in your bank account without any explanation, what you do is check. You don't go out and start spending it.
I have no sympathy with anyone who acts in such a manner. I have some sympathy with her plight now given that she is even more in debt than before but why was there no suggestion to her that she was a bloody fool.
Complain about this postIt's the charging of interest that stirs up outrage: they are making a profit from their mistake. How can that be right? Please Roger (Cook) the bank and get an answer.
Incidentally, Fi, I was startled last week to hear the candour of one of yours guests last week who, when asked "how are you?" replied "I'm wealthy."
Complain about this postAdele, whose bank made the mistake should get in touch with her local Citizens Advice Bureau, set out the facts and ask about a legal doctrine called "proprietory estoppel". I don't think the bank in these particular circumstances can demand the money from her.
Complain about this postOn the question of second homes. When the locals are up in arms about second home owners coming in shouldn't they consider who actually sold these homes to outsiders in the first place. Even the locals weren't considering the locals when there was money to be made.
Far too many morally good people listen to Radio 4 (even the Saturday Live show).
If everyone in the country was credited with 拢26,000 mistakenly, then I'd like to see what percentage of those people wouldn't spend any of it.
I'd spend it, and then 'just say "no"' to the bank.
Complain about this postThe fact that Adele was expecting compensation of a similar fee, rather makes some of the comments about her being "stupid" more than a little inappropriate.
Complain about this postI am truly amazed that there are some who suggest that Adele should not have to repay the 拢26,000 in full. Would these people be as forgiving and generous if Adele had spent their money? Suppose they were making a cash transfer to their son or daughter but they entered the account details incorrectly and the money ended up in Adele's account. Would they be happy to be told that she had spent all their money and, since they were responsible for the mistake, she would not have to repay the sum? The principle is no different just because the money came, in error, from a bank.
I would not dream of spending a large sum of money that suddenly appeared in my bank account without knowing with absolute certainty where the money had come from and that it was genuinely mine. Only a fool would do otherwise. Adele only had to make a telephone call to her bank or, better still, write a simple letter. I'm sorry but I have very little sympathy for her. Moreover, I would not want my account to reside in a bank that was so laissez-faire with its assets that it did recover this money in full.
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