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| Thread ID: 43893 | 2004-03-30 11:37:00 | OT - Trademe trade: Payed wrong bank account number! | hamstar (4) | Press F1 |
| Post ID | Timestamp | Content | User | ||
| 226143 | 2004-03-30 12:18:00 | bastards... morally you would think that they would be forced to, the privacy act protects to much nd it is sometimes a curse to our country. Has something like this ever been taken to Fair Go? |
hamstar (4) | ||
| 226144 | 2004-03-30 12:42:00 | Hamstar. The money can (but not necessarily) go into the ANZ but the branch numbers for each bank and every branch are unique so it will go into what is called the ANZ's UPI account (un-paid items, every bank has one) and they will be looking for somwhere to put it. Contact your bank who can confirm you existence and account details to do a bank to bank transaction if this has happened. Advice courtesy of my wife. Cheers Murray P |
Murray P (44) | ||
| 226145 | 2004-03-30 12:48:00 | >Contact your bank who can confirm you existence and account details to do a bank to bank transaction if this has happened. You mean,the guy has to. It went from his account to the account that should've been mine. Or do you mean have the money put stright to mine from the UPI account. |
hamstar (4) | ||
| 226146 | 2004-03-30 13:00:00 | > Or do you mean have the money put stright to mine > from the UPI account. Yes. Contact your bank with what has happened. Where it was deposited from and who (although anyone can deposit under a certain $ amount without ID) to what account it should have gone to and the mistaken info you gave the other person. If there were no other errors that you are unaware of, all the info should match except for the ANZ bank's ID number. It cannot go into someone elses account if the branch number was given correctly. That's the advice given to me to pass on anyway. If that doesn't work then try the ANZ but you are less likey to be successfull because they will not know you from a bare of soap and be unable to give the verification your own bank can with your permission. HTH & good luck. Murray P |
Murray P (44) | ||
| 226147 | 2004-03-30 13:08:00 | Just a thought. When ever I do trademe or other direct deposits or get credits to my account, especially when you do not know the other person, I get the teller or the other party to add a ID number or note to the transaction. With trademe I've used the auction number and the persons initials. Some banks will and some won't and some tellers require convincing that it is possible. BY memory ASB is ok. What this does is adds another level of security and credibility to the process although the banks can ignore it if they wish. Cheers Murray P |
Murray P (44) | ||
| 226148 | 2004-03-30 14:18:00 | If the guy tried a direct transfer like you did he would have gotten the same error you did (account does not exist). Now if he had walked into the bank and deposited the money in person, then the bank teller -always- checks the account is valid before doing anything. So either way he must still have the money. |
PoWa (203) | ||
| 226149 | 2004-03-30 22:23:00 | That just ain't true,the transaction i mentioned before was an over the counter job and the transaction went past the teller and stalled on the computer.... | metla (154) | ||
| 226150 | 2004-03-30 22:46:00 | The person depositing the money electronically into the incorrect account can (within 3 days) get the transaction reversed. These "interbank" transactions all get processed via ISL (Interchange & Settlement), which has the ability to reverse the transactions. Hope this helps |
Marlboro (4607) | ||
| 226151 | 2004-03-30 23:11:00 | > I contacted the bank & they said because of privacy > issues etc they couldn't do anything about it unless > the a/c holder the money went into agreed to return > it, they would contact them & ask. > > Never heard anymore so I guess the SLUG decided to > > steal my money. Not following up might be the real reason your $45 went south. Banks have powers to reverse transaction errors, and don't hesitiate to act if it is their interests to do so. To get results you have to be persistent and argue on principle, not emotion. The holder of the incorrect account number is not entitled to benefit from your mistake, and the sum of money shouldn't matter. You can bet they would act if it was $45,000, and the law would be unlikely to let the account holder get away with withdrawing the money and hiding it in another account either. That would be fraudulent conversion or some-such that Winston could probably help us with. It goes back to my oft-quoted consumer rights advice: the three Ps Persistence, Politeness and Patience. If it is not too old, go back and try again, but this time talk to the Manager. Cheers Billy 8-{) |
Billy T (70) | ||
| 226152 | 2004-03-31 00:43:00 | Hamstar you poor bugger. I do a fair bit of buying and selling on trademe. I know it wont help now, but I only send them a cheque and ask them to email me when it clears. If they whinge I tell them I am depositing money in their account before 7 days, so stop whinging like a pom (exact words I use). Also I mention I want a receipt and if they baulk at that I tell them I will track them down and dob them into the IRS. There are some tricks to stop getting ripped off. They are dont buy from anyone who has not 100% rating, wont let you pick up, wont give them their name, address and phone number. Then ring them up to check phone number, I check to see if the street exists if they have a foreign accent no cheque goes out. Also from the first email if they dont give a proper name and surname that can be traced I pull the plug as well. There are some roosters out there but also some real good dudes who can be trusted. One last week even gave my boy a brand new cd on whales when I bought a laptop off him. tedheath |
tedheath (537) | ||
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