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Oct 25, 2009 @ 14:58:12

pastaman

Apprentice
19 points

57/M/Leeds, United Kingdom
Join Date: Oct 2009

I paid with my debit card in February 2008 to buy a car the sum of Ł4500, even though the transaction had to be authorised over the phone to date the money has not come out of my account! Am I in the wrong ? should inform someone or should I go on holiday ? Does anyone know where I stand legally. Will I ever be able to claim the money as my own ?

Oct 25, 2009 @ 15:00:32

Ellen

Über-Meister+
2970 points
Banned

23/F/,
Join Date: Oct 2009

Free car!! Go on holiday.

Seriously I would contact the bank and ask them what the deal is.

Oct 25, 2009 @ 15:16:00

pastaman

Apprentice
19 points

57/M/Leeds, United Kingdom
Join Date: Oct 2009

If I contact the bank surely they will just go through their books and find the missing transaction or was it the car dealer who never got the money and its been lost in their accounts.

Oct 25, 2009 @ 15:17:26

Ellen

Über-Meister+
2970 points
Banned

23/F/,
Join Date: Oct 2009

pastaman said:

If I contact the bank surely they will just go through their books and find the missing transaction or was it the car dealer who never got the money and its been lost in their accounts.

Either way it's best to get it cleared up. If you spent that money now and the bank caught it later, you'll be in trouble.

Oct 25, 2009 @ 15:38:48

vicki

Über-Meister
2045 points

23/F/manhattan,
Join Date: Jun 2009

You win--but if you feel guilty you can buy me a nice present

Oct 25, 2009 @ 15:59:54

hedkandi1984_21

Ogler+
21752 points

25/F/Plymouth, United Kingdom
Join Date: Nov 2006

Go to the bank and get them to sort it out. If you spend the money on something else, chances are someone will suddenly realise their mistake. . . better to be safe than sorry!

I love to experience life in all its agonising glory.

Oct 25, 2009 @ 16:02:59

pastaman

Apprentice
19 points

57/M/Leeds, United Kingdom
Join Date: Oct 2009

20 months since transaction, cant imagine it ever coming to light, but i daren't spend the money.

Oct 25, 2009 @ 16:07:29

Ellen

Über-Meister+
2970 points
Banned

23/F/,
Join Date: Oct 2009

pastaman said:

20 months since transaction, cant imagine it ever coming to light, but i daren't spend the money.

Ok first find out if the dealership got the money. I suspect they did or they would have repo your car by now.
Then close your account and take the money and run.

Oct 25, 2009 @ 16:31:43

vicki

Über-Meister
2045 points

23/F/manhattan,
Join Date: Jun 2009

pastaman said:

20 months since transaction, cant imagine it ever coming to light, but i daren't spend the money.

Hope somebody doesn't report you now.

Oct 25, 2009 @ 19:06:56

#10

pocketdave

Über-General
481 points

33/M/cardiff, United Kingdom
Join Date: Nov 2005

Some people have all the luck!! Just spotted that the 5000 for my new car i bought last week came out of my account this moring

Personally I'd keep very quiet!! I think it works the same way as taxes in the UK. The bank will have 6 years to take the money so you've got a bit of a wait for your holiday yet!!

Faith Manages

Oct 25, 2009 @ 19:10:33

#11

incognito

Giddy In The Pants

Minister+
10179 points

30/F/, Canada
Join Date: May 2009

Eventually they will audit thier transactions, realise the mistake and withdrawl it, or contact you. You can wait it out, but it seems inevitable. It's up to you though. I would be afraid to taint my good name if they were the one's that had to contact me, instead of just calling them first. But it's your call.

Fvck 'em if they can't take a joke.

Nov 03, 2009 @ 17:04:10

#12

Richard4890

Über-Commander
144 points

36/M/Biddeford, Maine
Join Date: Sep 2009

LOL 20 months after this happened and your just now asking what to do. Seems like you made the decision a long time ago to keep something that was not yours. Questions, if they took 2500 from your account knowingly by mistake, how would that make you feel and would they contact you to let you know they made the mistake? It's not your money, tell them.

Nov 03, 2009 @ 19:45:35

#13

Darroll

Meister
1459 points

64/M/salem, Oregon
Join Date: Apr 2009

The money could of come out of someone else’s account.
The bank should of already caught this mixup.

This happened to me once.
Someone put eighty grand in my checking account. (I was rich)
I just ignored it, a few month's later it was gone.

Edited: November 03, 2009 @ 19:49

Nov 03, 2009 @ 19:56:04

#14

MlissaBeth

Wait for it!

TFS Monkey+
46830 points

24/F/In your Bed, Florida
Join Date: Feb 2008

pastaman said:

I paid with my debit card in February 2008 to buy a car the sum of Ł4500, even though the transaction had to be authorised over the phone to date the money has not come out of my account! Am I in the wrong ? should inform someone or should I go on holiday ? Does anyone know where I stand legally. Will I ever be able to claim the money as my own ?

Well, you should call the bank in regards to the transaction and have it canceled. It's been a long time since I worked at the bank but if they have not taken the money out of your account and you haven't canceled it, they still can. Which could leave you in deep s*** if you spend it.

And when you get to the point where you know nothing, you will have achieved something- Wisdom

Nov 03, 2009 @ 19:56:39

#15

jonnythan

Cucumber cowboy

Giant Donkey+
134468 points

100/M/The north,
Join Date: Aug 2005

20 months and you haven't called the bank yet?

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