Jon iz teh kewl: who the fark gets 26,000 for free in an account and doesn't alert the authorities?
austin_millbarge: So if the bank accidentally put $100000 in her account she wouldnt have to pay it back, right?/banks are thieves
nucal: She didn't make sure it was ok after the first month?
LordOfThePings: If there is a wider lesson in Sally's story, it is not to agree to paperless statements.Or to check out your accounts online and verify your biggest transactions (debit or credit).
irgunner: I've read enough Fark to know things can get Prisony if you spend the money, so the first few months, I'd ignore it. But after the first year, I think I'd go all Spendy McSpenderson assuming there's no way human error could be responsible and it was some tech glitch no bank software could detect after 4 fiscal qtrs. After all, the recipient had no idea it was a woman's salary, it was just deposits from a mystery account.
durbnpoisn: nucal: She didn't make sure it was ok after the first month?This.Clearly this woman is an idiot. So is her husband for that matter.But at the same time, they also must have SO MUCH disposable income that they didn't even bother to check on that account for over 2 years. So they are in good shape either way.
YodaBlues: Every employer I've ever had requires a voided check to setup direct deposit to verify account information.
Addicted: So, some random person is taking this woman's money and simply because s/he refuses to pay it back, the bank simply says "There's nothing we can do. And we can't tell you who took your money."In a way, isn't the bank aiding and abetting this theft? Or at least an accessory?
ElBarto79: It kind of makes sense, it's not the banks fault you screwed up and they shouldn't have to pay you.
sendtodave: Is this the thread where everyone mocks this woman's intelligence due to her making a simple mistake?Of course it is.
Madman drummers bummers: It occurs to me that if you get an extra 12K quid a year and don't declare it on your tax returns, SOMEone in London is going to track you down and exile you to Wales or make you perform on Britain's Got Talent (or whatever they do in the UK to hardened tax criminals). Assuming of course that UK tax laws are similar to the US's. Maybe this "Sally" person should have a chat with someone at HMRC.
MythDragon: This *would* be a good scam. Have your money go to a friend's account for two years while you spend it. Suddenly 'discover' you don't have your money, and demand the bank pay you back.And yeah, if this was the bank's money, you best be sure they'd be taking back by any means.When I owned a business, I had the bank decide to debit my account on a loan that was two days overdue (when I got billed through the mail), right before payday, leaving me scrambling to get my people paid on time. In fact, BB&T was quite fond of just yanking money out of your account for any credit card or loan bills you had with them. Need to buy equipment to finish a job to get the money to pay them, and everyone else? Too bad, they'll just yank the money, and tell you to go fark yourself. Better find another way to buy equipment to finish the job so you can pay them next month.
BraveNewCheneyWorld: ElBarto79: It kind of makes sense, it's not the banks fault you screwed up and they shouldn't have to pay you.It kind of is the bank's fault. Their software asked for the name on the account. It should have been confirming that the number and name matched, just as a teller would. Instead, it asked for the name then threw the data away.
austin_millbarge: So if the bank accidentally put $100000 in her account she wouldnt have to pay it back, right?
Niveras: LordOfThePings: If there is a wider lesson in Sally's story, it is not to agree to paperless statements.Or to check out your accounts online and verify your biggest transactions (debit or credit).Paperless records seem kind of bullshiat to me. My bank's online site only shows six months worth of transactions, but I'm pretty sure that a bank needs to keep financial records for a hell of a lot longer than six months. It is such a spurious limit that I'd almost want to go back to paper records just out of spite./ Yes, I understand that data storage isn't free, particularly when you're a major, national (or multi-national) business with millions of customers and having what is a fair chance of being literally tons of data to store. I should think a financial institution would need to keep records of its transactions for longer than six months. Hell, I, as a private citizen, am expected to keep records for at least six years, on the chance the government decides to audit me. I'm pretty sure I can't just say "Oh yeah, in Aug 2011 I made X and spent Y. Oh, you need details? Well, data storage is expensive! I don't have that information anymore."/ Yes, I also understand that most banks let you download a file that can be read by most financial management programs to make such personal recordkeeping easier. It's still ridiculous for the bank's site to lack that information, because they need to keep that information anyway.
BullBearMS: austin_millbarge: So if the bank accidentally put $100000 in her account she wouldnt have to pay it back, right?It took eight posts for someone to mention this little fact?
Monkeyfark Ridiculous: BullBearMS: austin_millbarge: So if the bank accidentally put $100000 in her account she wouldnt have to pay it back, right?It took eight posts for someone to mention this little fact?If the bank accidentally put money into her account, and she withdrew it and refused to repay it, would the bank (a) cry and write ineffectual letters about it, (b) complain to the newspaper, or (c) send lawyers/cops after her?
Trixie212: YodaBlues: Every employer I've ever had requires a voided check to setup direct deposit to verify account information.Our employees have the ability to change their direct deposit information through an employee website. If they opt to do it that way instead of bringing us a paper form and banking information, whatever they enter will be accepted as valid. It's on them if it's incorrect.
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