Someone’s transferred me money

[HironsBirons]

Quite a lot of money. My bank statement just says my name in the notes section . The bank can’t help, they just keep asking if I was expecting this. I literally cannot think of any reason why anyone would be sending me £800 - I’m not expecting a refund for anything that I can think of.

Any ideas?? Is this some sort of scam?!

Does it not say anything usually it tells you who paid it?

@Redred2429

Does it not say anything usually it tells you who paid it?

It says my name there

Put it in a safe savings account and wait. Bank will come back to you sooner or later, wanting it back.

Put it aside and wait. It'll all come out in the wash as they say. Don't spend it until you know where it's come from.

Do you the sender's name is your name?

Is it an automatic transfer from a savings account? With confirmation of pages name someone must have intended it for you

How very odd.
Does it not have account details just your name there? Does that make it cash payment? Is it traceable?

Sorry it was me. Please send it back

@lifesalongsong

Do you the sender's name is your name?

Is it an automatic transfer from a savings account? With confirmation of pages name someone must have intended it for you

Sorry, autocorrect, should be payee's name

The bank should be able to see the name of the sender account

No no I wouldn’t spend it until I know exactly where it’s come from (although I’m spending it in my head right now )

Yes the senders name is my name. It’s not come from any savings accounts. I’ve checked and the balances of those are all as they should be.

Have you entered any competitions recently?

@Cheeseycheeseycheesecheese

How very odd. Does it not have account details just your name there? Does that make it cash payment? Is it traceable?

No account details as of yet. Sometimes it takes a day or so though doesn’t it?

I've had this when paid cash in branch

Have the rules that you need an exact name to make a transfer come in yet? I know some business accounts require this already but not sure about personal accounts. If so it would seem odd as whoever transferred the money would need your sort code, account number and precise name otherwise it wouldn't go through and would imply that it is for you.

@MrsGrindah

Sorry it was me. Please send it back

Ah okay. Halfies?!

The bank will be able to trace where it's come from. It might take a few days and they are unlikely to actually tell you. Hopeless really.
Whatever happens, do not under any circumstances spend it.

@bearlyactive

Have you entered any competitions recently?

No

I've had this when paid cash in branch

I think OP would remember paying £800+ into her own bank account.

My mum had tens of thousands sent to me and a random account. They call you pretending to be your bank. The number even comes up as the banks number.
Then they get the telephone number of the people they've sent money to, call them and get THEM to transfer it to another account.
Boom. Money gone.
Luckily my mum got hers back

Do you have a common name? Could it not be someone with your name who’s taken it in branch and the bank has put it in the wrong account?

As Giganticshark says - I had this happen too. It had come from the bank account of someone who'd paid me money years before - they were then rung by someone pretending to be the bank and told they'd been hacked and to ask me to transfer it to a safe account (which obviously belonged to the scammers).

I'd notify your bank, but leave them to arrange any return of the money - don't transfer it to a new account, even if someone you know asks you to.

As Giganticshark says - I had this happen too. It had come from the bank account of someone who'd paid me money years before - they were then rung by someone pretending to be the bank and told they'd been hacked and to ask me to transfer it to a safe account (which obviously belonged to the scammers).

I'd notify your bank, but leave them to arrange any return of the money - don't transfer it to a new account, even if someone you know asks you to.

@Giganticshark

My mum had tens of thousands sent to me and a random account. They call you pretending to be your bank. The number even comes up as the banks number. Then they get the telephone number of the people they've sent money to, call them and get THEM to transfer it to another account. Boom. Money gone. Luckily my mum got hers back

Im not quite sure what you mean but if the scam involves people sending you money and then expecting you to send it somewhere else they are welcome to send it to me any day, but they better not be holding their breathe for me to send it back

Take it out of that account and put it in another one where you have instant access to it.
Your bank won't tell you where it's from but if the sender has sent this in error, their bank will do what's called a trace of funds from their end and ask your bank for it back. They will not take it out of your bank without contacting you first.
It seems strange it's a mistake tho as now most banks confirm the name and account details match before the payment is confirmed

@lifesalongsong, the scam works by taking advantage of the day or two between the transaction date and the final date in which the money is securely in the second account.

Basically, someone somehow gets a hold of your bank details - sorting code and account number - and sends you a nice sum. Then the scammer calls you and asks you to return it to X account because they sent it by accident and it's meant for the cats and dogs home, or pretends to be your bank looking for authorisation ("can you please verify your four digit security code, madam"). They will have the transaction number and date to hand, they will know the amount, and they will sound legit.

You initiate the transaction they ask you to undertake, but the caller has already initiated a return transaction using your account details. So they get their bait back and they also get your money.