Bank wants "mistaken" deposit back
j...@nowhere.com
Just got a letter from my bank saying;
"We have been advised by ANZ BANK that the above deposit was credited
to your account in error. Accordingly, ANZ BANK has requested us to
refund this amount to them so that they may in turn refund their
client.
To enable us to comply with this request, we require your authority to
reverse the amount from your account.
Please give your authority by completing and signing the eclosed
authority and returning it to us in the enclosed Reply Paid envelope
or by facsimile to ............"
They include a screen dump of a computer screen with my name on top
and a dated entry with the "error" deposit. They also include a typed
authority......
"To Whom It May Concern
I/we__________________________________________
having authorityto operate on account number xxxxxxxxxxxxxxxxxx in the
name of MISSPELT give consent to "bank" to debit this account with
the amount of "carton of beer" representing a refund of an amount
credited in error on "2 months ago".
..... and a window envelope with Postage Page (not Reply Paid XX)
It looks genuine enough on apparently official stationery and my name
and account details on it.
But, I'm feeling slightly playful (and I don't like the ANZ blood
sucking vulture parasite vermin that they are). But I need to be nice
to the Bank that is my account keeper. And of course I've got no
problem returning money that's not mine, but if I can get some payback
in the meantime, well that's a bonus.
It's a small amount so I'm curious firstly why at the apparent
request of the ANZ BANK, my bank has typed a 3 page document to me
after searching for my account details.
Are they doing it for free, simply because the ANZ asked them to? Yeah
right, Is the ANZ doing it for free for their "client", yeah
right!!.... when the priggs charge me $35 for being 1 day late with
$4.95 on an ANZ card payment!!!
I don't yet have the account statement from my bank that details
the error deposit, (they're 6 monthly), so obviously I'd need to check
that it did in fact happen first.
So I'm thinking of simply acknowledging their letter, stating that I
do not have any bank statements which verify the deposit but would be
happy to refund any error following payment of a $35 investigation and
processing fee.
Since I do not have the verification at hand, I need to search it out
and confirm before I authorise anyone to take money out of my account.
Comments, ideas suggestions ????
TomTom
Sylvia Else
I really don't see why the bank would think they need your permission. A
bank account is nothing more than a bank's record of the bank's
indebtedness towards you. It's not as if they're guarding a box that
contains your cash.
If they are under the impression that they have incorrectly stated that
indebtedness, then they can correct it. This might at a later date
result in your having an issue with the bank when they refuse to pay you
money that you consider is owed to you, but that's a separate matter.
Sylvia.
TomTom
Sylvia Else <syl...@not.at.this.address> typed:
It's because, otherwise, the bank would be relying solely on the say-so of
the ANZ bank.
> A bank account is nothing more than a bank's record of
> the bank's indebtedness towards you. It's not as if they're guarding
> a box that contains your cash.
>
> If they are under the impression that they have incorrectly stated
> that indebtedness, then they can correct it.
That is not the situation. It is the ANZ that has asked the bank to refund
an amount from the bank's client's account.
> This might at a later
> date result in your having an issue with the bank when they refuse to
> pay you money that you consider is owed to you, but that's a separate
> matter.
The bank apparently has no legal justification for taking its client's money
from the client's account without the clients express consent. Acting on
the ANZ's say-so is not good enough.
Sylvia Else
This reflects exactly the misunderstanding about bank accounts that is rife.
A bank account does not contain money. When the bank says you have X
dollars in your account, when it really means to say is that the bank
owes you X dollars.
Sylvia.
TomTom
Sylvia Else <syl...@not.at.this.address> typed:
Agreed.
But the bank would be acting foolishly if it responded to the ANZ's request
and refunded the money claimed by reducing the client's balance of dollars
owed. When the client demanded the full payment, the bank can hardly defend
itself by saying that the ANZ asked for the client's money, so it simply
handed it over!
j...@nowhere.com
SNIP
>>
>> Since I do not have the verification at hand, I need to search it out
>> and confirm before I authorise anyone to take money out of my account.
>>
>> Comments, ideas suggestions ????
>
>
>Plead insanity.
>
No way, never again !!
The food is terrible and they turn the lights out early.
TomTom
j...@nowhere.com <j...@nowhere.com> typed:
Hire better flunkies!
j...@nowhere.com
Thanks to all replies so far.
OK so far I'm getting;
that ANZ doesn't really know who I am, just that my account number
xxxx held by my bank has allegedly been" wrongly" credited.
Apparently my bank won't/can't just take the money back (or reverse
the numbers:) simply on any 3rd party's sayso.
Since my bank isn't at fault or out any money they probably
couldn't/wouldn't hold anything against me in future anyway.
I'm not refusing to return money I "know" doesn't belong to me.
I haven't got the statement that details the deposit but anyway,
deposits don't identify where they came from so how would I know
whether the depositor intended for me to have the money or not?
Whether I'm expecting it or not is irrelevant.
If it's the ANZs fault, stuff em, I'll offer to verify and
investigate by requesting an early statement (I'll be charged for that
by my bank) for an investigation fee but I suppose it could be some
poor careless depositor who penned the wrong numbers. So I'll offer to
waive the investigation fee in lieu of a stat dec from the depositor
detailing the full circumstances of the error.
=================
Phil Allison
j...@nowhere.com
>
> I haven't got the statement that details the deposit but anyway,
> deposits don't identify where they came from so how would I know
> whether the depositor intended for me to have the money or not?
** Easy - the depositor is clearly now saying they did NOT intend it for
you.
> Whether I'm expecting it or not is irrelevant.
** WRONG - it is * highly relevant * .
If you WERE expecting really the money, it make a huge difference to the
situation.
> If it's the ANZs fault, stuff em,
** That is a completely criminal attitude.
You are NOT entitled to keep someone's money that was not meant for you.
WARNING:
Do not test the patience of identified posters on this NG by asking them to
discuss your dopey schemes to break the law.
Pay back the damn dough -
then fucking PISS OFF !!!!
ARSEHOLE.
..... Phil
Sylvia Else
> You are NOT entitled to keep someone's money that was not meant for you.
He doesn't even have someone's money, so keeping it doesn't arise.
> WARNING:
>
> Do not test the patience of identified posters on this NG by asking them to
> discuss your dopey schemes to break the law.
>
> Pay back the damn dough -
>
> then fucking PISS OFF !!!!
>
> ARSEHOLE.
Ah yes, Phil's usual diplomatic posting style.
Sylvia.
Phil Allison
"Sylvia Else Criminal Psychopath & vile autistic TROLL "
>> You are NOT entitled to keep someone's money that was not meant for you.
>
> He doesn't even have someone's money,
** Usual Sylvia insane bollocks - yaaaaawwnnnnnnnnn.
This VILE bitch and congenital public menace is * long overdue * for a
large strychnine bait.
WARNING:
Do not test the patience of identified posters on this NG by asking them to
discuss your dopey schemes to break the law.
Pay back the damn dough -
then fucking PISS OFF !!!!
ARSEHOLE.
..... Phil
Peter
"Phil Allison" <phila...@tpg.com.au> wrote in message
news:697ve5F...@mid.individual.net...
WFT!?!?!
Looser, not lucky.
:-P
j...@nowhere.com
This msg from Peter replies to " Phil", I don't see ANY from Phil in
my downloads.....I get a total of 7 replies so far, curious.
Anyway.........
On Sun, 18 May 2008 16:40:26 +1000, "Peter" <som...@microsoft.com>
wrote:
>
>"Phil Allison" <phila...@tpg.com.au> wrote in message
>news:697ve5F...@mid.individual.net...
>>
>> j...@nowhere.com
>>>
>>> I haven't got the statement that details the deposit but anyway,
>>> deposits don't identify where they came from so how would I know
>>> whether the depositor intended for me to have the money or not?
>>
>>
>> ** Easy - the depositor is clearly now saying they did NOT intend it for
>> you.
How do I know it is in fact the depositor? I won't "know" there has
even been a deposit until early July unless I pay $25 to my current
bank for an "interim" statement. And it's NOT the depositor that has
contacted me, it's my bank who says that a 3rd party, the ANZ bank
alleges a 4th party, alleges a mistaken deposit!!!. Oh, by the way
Phil, I accidentally made your last mortgage payment, please repay
this mistaken deposit by signing an authority for me to access your
savings account. Don't worry, You can check the balances later, AFTER
the statements come in. And thank you for spending the time and energy
to solve my balls up.
>>
>>
>>> Whether I'm expecting it or not is irrelevant.
>>
>>
>> ** WRONG - it is * highly relevant * .
>>
>> If you WERE expecting really the money, it make a huge difference to the
>> situation.
So
>>
>>> If it's the ANZs fault, stuff em,
>>
>>
>> ** That is a completely criminal attitude.
Oh, OK. I've got Austlii up now, where do I look for this one?
>>
>> You are NOT entitled to keep someone's money that was not meant for you.
Nor do I want to. But I'm not at their beck and call, nor do I believe
everything they choose to tell me without checking and I'm not
checking at my expense.
>> WARNING:
>>
>> Do not test the patience of identified posters on this NG by asking them
>> to discuss your dopey schemes to break the law.
>>
>> Pay back the damn dough -
>>
>> then fucking PISS OFF !!!!
>>
>> ARSEHOLE.
>>
>>
>>
>> ..... Phil
No, really? Cmon, tell the truth, it was you wasn't it? You wrote an 8
instead of a 3!!!! Fine, just write the damn stat dec and I'll give it
back to you, promise.
Phil Allison
j...@nowhere.com
= some criminal psychotic cunthead
> I haven't got the statement that details the deposit but anyway,
> deposits don't identify where they came from so how would I know
> whether the depositor intended for me to have the money or not?
** Easy - the depositor is clearly now saying they did NOT intend it for
you.
> Whether I'm expecting it or not is irrelevant.
** WRONG - it is * highly relevant * .
If you WERE expecting really the money, it make a huge difference to the
situation.
> If it's the ANZs fault, stuff em,
** That is a completely criminal attitude.
You are NOT entitled to keep someone's money that was not meant for you.
WARNING:
Do not test the patience of identified posters on this NG by asking them to
discuss your dopey schemes to break the law.
Pay back the damn dough -
then fucking PISS OFF !!!!
YOU FUCKWIT ARSEHOLE.
..... Phil
Peter
>
> j...@nowhere.com
>
> = some criminal psychotic cunthead
>
>
>> I haven't got the statement that details the deposit but anyway,
>> deposits don't identify where they came from so how would I know
>> whether the depositor intended for me to have the money or not?
>
>
> ** Easy - the depositor is clearly now saying they did NOT intend it for
> you.
>
Wrong, the bank is.
>
>> Whether I'm expecting it or not is irrelevant.
>
>
> ** WRONG - it is * highly relevant * .
>
Wrong, intent.
> If you WERE expecting really the money, it make a huge difference to the
> situation.
>
Make your mind up.
>
>> If it's the ANZs fault, stuff em,
>
>
> ** That is a completely criminal attitude.
>
BS
> You are NOT entitled to keep someone's money that was not meant for you.
But you dont have to just throw your money away at anyone who says they gave
you money without proof. No matter who they are.
>
> WARNING:
>
> Do not test the patience of identified posters on this NG by asking them
> to
> discuss your dopey schemes to break the law.
WTF!?!?!?
Looser.
>
> Pay back the damn dough -
Why?
>
> then fucking PISS OFF !!!!
>
Why?
>
> YOU FUCKWIT ARSEHOLE.
>
>
>
>
>
> ..... Phil
>
>
>
I agree here, Phil has proven himself to be one again.
:-P