Asking for proof of payment

[purpleme12]

Workman did work on our house. Patching up a part of ceiling.
Few hours work. Finished on Saturday.
I sent payment Sunday evening. He messaged on Monday I did say to allow up to the end of Monday if it wasn't in the bank yet (as per the timescale the bank gave)
He's messaged today saying it's not been received and can I send proof of payment 'so he can chase it up'.
I feel like he doesn't believe me.
I've double checked and it's the right details I put in. I'm not worried I'm sure it's going t turn up at some point today for him. I did send the email that the bank sends to me confirming I sent a transfer but I'm not sending him details of my bank. Purely because I want to prove I'm not lying!

nah, bank transfers are instant these days, and it wouldn’t take this long. Something is up.

That's fine

He asked for proof

You said you had sent it

He didn't respond

I think you are making something out of nothing.

that's fine if you think that too.

yes this thread has already made that clear. thank you.

To be fair if the bank gave OP a timeframe and sent a confirmation email I'm assuming it's not a standard (I can't think of the proper terminology!) bank account and is more likely a building society or some kind of savings account

The tradesman isn't being personal but a lot of the comments on here definitely are!

I also think there are a lot of assumptions on here, that people want to pay in cash, that they have other bank accounts they can use, that they are clever enough to be able to edit a screenshot to delete other lines on a bank statement (I wouldn't have a clue how to do the latter).

OP if you send the money on Sunday it should have arrived a few minutes later. I assume that you are in the UK? It's unusual for transfers to take longer if you are in the UK. It may well be the situation a pp said where the transfer has been held up due to fraud concerns (is it quite a lot of money?) I assume you have online banking so log in and send them a message. I would have thought though that they would contact you if they were holding a payment due to suspicion of fraud.

It's really odd that your bank doesn't do instant transfers. I don't blame him for checking where his money is.

Do you know what the transfer type was? My banks do faster payments (instant pretty much!) and BACS (three working days I think) for regular amounts. Hopefully it'll be the three working day one and should be with him tomorrow. I wouldn't be sending anything that showed my bank details but what you've sent sounds fine.

Hopefully he'll reply soon saying he's received it!!

He probably gets people telling him regularly that they've paid when they haven't and he gets strung along.

Don't take it personally and just send him the screenshot.

Some banks take so much longer to acknowledge transfers than others

The main big banks are pretty instantaneous but the older building society accounts and smaller banks often don't show the funds as quickly

Hope the money is there now!

Do you bank with Nat West?
I had ‘proof’ once that payments had gone out of my account, they were showing as going out and I had used the correct bank details for the payment.
Unfortunately Nat West had put them on hold due to potential fraud but did not tell me this.
64 calls later and five hours on the phone I finally got through to them, still took them five days to sort it out.
So things can go wrong without you knowing.

He may not have specifically meant 'proof that you have made the payment' but rather 'proof that the payment should have gone through' i.e. to check if the problem is with the bank.

Nevertheless, as PPs have said, he probably does get people who don't pay or keep him waiting and fob him off with tales, blaming the banking system, and he doesn't know that you aren't one of them. When I return stuff to shops, they always insist on seeing the receipt as proof of purchase - presumably because I could easily have taken it straight off the rack and sought a 'refund' from them for something that I never paid them for. I have NEVER done this - but some people do and they don't know that I'm not one of them, so I don't object in the slightest to showing my receipt to prove that I'm legitimate.

I'm another one surprised that the payment didn't go through straightaway, assuming there was no error with inputting the right account details. Banks normally say 'within two hours', just in case of any technical issues, but it's almost always there in more like two minutes or less.

He will have been burned in the past by people claiming to have sent payment and hadn't.
It's a nightmare dealing with payments - I am self-employed and people are constantly claiming that they have paid when they have not. Claiming that my bank is at fault. Claiming that they sent it "yesterday" so it should be there by now when it isn't.

You say you "feel like he doesn't believe you". He probably doesn't, but it's nothing personal. I'm afraid I have also stopped believing what people tell me about payments because so many of them do not tell the truth about it.

Send the proof of payment with any details blocked out which you don't want him to see and either ask him to let you know as soon as the payment arrives or phone him up in a couple of days to check it has arrived.

Bank transfer can take up to 3 working days depending on the bank. It is usually same day if you are in the same bank but otherwise it can take up to 3 working days. I would not be worry email confirmation from your bank should be ok for him ito chase up with his bank, sometimes payment goes to suspense account before being allocated to right account.

I would assume that he needed to check the payment has been sent so that he can chase the bank if it’s not received and that he has proof it should be there. He may also be working and therefore not have responded or be onto the bank confirming payment has been received.

he may also have wanted to double check account number.

honestly I wouldn’t take this personally and im sure there is no bad intentions.

Nearly all banks use faster payment which means transfers should go through within a max of 2 hours.

If I were the tradesman, I'd also be worrying the OP was fibbing.