Customer reversed bank transfer

[Roger Welton]

Now that's sorted wait 6 months for payback 😉

Good news you got it resolved though.

 

[mfgs]

Glad you got it sorted and thanks for the update, handy to know all the info in case it ever happens to any of us.

 

[Masood]

Happy for you that you got it back, and thanks for the update. Must have been a worrying few weeks!

 

[GasmanxxxR1]

Love to see the look on the customers face when the money went back out 🙂

 

[JCSPLUMBING]

Me too. :19:

 

[stani]

You could always send him a receipt, thanking him for finally paying, but due to the delay there is an extra £xx interest for late payment.

 

[Masood]

Me too. :19:

Have you spoken to him since? Any explanation (apart from him being a ****)?

 

[JCSPLUMBING]

He won't answer the phone.. I've sent an email explaining that I've informed the police and that the fraud team are on it as he's lied to the bank. I've withdrawn the amount in case he tries any more funny business the the nice manager of the bank has assured me that these things cannot be reversed. So they are safe and the only thing they can try is to claim it's an error. Like i said the whole thing favours the recipient of the funds.

 

[rpm]

Everytime I have sent funds to bail out my little sis there is a message to check the details before sending as it cannot be reversed.

Glad you got what was yours JCS

 

[quality]

I would knock on their door at 7.30 tomorrow morning (Sunday) and say that your there to fix the leak

 

[WaterTight]

... without a trace of a smile and tapping your stilsons into the palm of your hand.

 

[GQuigley67]

I'm asking for a 4 grand deposit on a 10k job, but only when kitchen is on site, he didn't reply to my email when I said the 4 grand but will need to speak with him to clarify it's OK, I don't think it's unreasonable to ask for deposit on jobs that size.

I never asked for deposit before on jobs but most are under 4k. I have T&C's with my quote for customers to read and sign but not sure if they are worth anything? They sound the part anyway lol

 

[JCSPLUMBING]

I generally try not to ask for a deposit as most of my jobs are under 4k. I can afford a £500-£1000 materials lay on. I always ask to be paid in Stages however. If a job is 3 weeks or more I ask to be paid weekly. I enjoy the lump sum at the end generally. This could now change though

 

[Millsy 82]

If I have to spend over £300 on materials I ask for a deposit, not that I'm untrusting but a late payment or 2 could put me in financial difficulty. If the customer doesn't want to pay that is fine but I won't do the job. If they send a cheque out then that is fine as they have shown that they are happy for me to go ahead with the work and if they cancel the cheque then (according to my dad who works for a builders merchants as an accountant) they have committed fraud. So just proceed with court.

 

[Best]

If they send a cheque out then that is fine as they have shown that they are happy for me to go ahead with the work and if they cancel the cheque then (according to my dad who works for a builders merchants as an accountant) they have committed fraud. So just proceed with court.

I always understood if someone cancels a cheque, then they have broken a signed promise to pay and would highly likely have to pay later, unless for very good reason.
I guess good reason would be things like, - not receiving goods they paid for, or seriously bad work, or if within a cooling off period where they decided not to purchase something, or if the person issuing the cheque discovered they were being frauded
So there would be cases where a cancelled cheque would be fine in law.

 

[rocketmanbkk]

So you can buy a house cash via bank transfer, move in & then ask for money back via bank?

No, it's got to be something to do with the bank

I've never heard of a bank transfer being given back once in someone's account.

If you're paid via transfer then it's in your bank

If they deposited a chq it'll show a credit but may bounce weeks after

Ie. The Nigerian 419 scam

Speak to your bank

I bet the money wasn't cleared funds in your account

 

[rocketmanbkk]

If they don't have the money to pay the full amount then how are you going to get your money??

I am chasing a couple hundred at the moment and the general advice i have had is if you can afford it then write it off ,to chase your money the legal way can be a joke for small businesses .

The lads i chatted to who went to court said it was never worth it . they agree a payment deal and ultimately fail it because they have no money.Then a few months later you still chase payment .The impression i have is that its a complete joke of a system.

Yep, for low amounts it'll cost & if they can't pay do you spend more to get bailiffs?

Total shambles.

 

[rocketmanbkk]

Just been into branch and they have found out what's going on. The client has basically said that payment has been made in error and that £330 should of been paid and not £3300. My bank has disputed this and claim that it was in fact correct the first time. My funds should be in my account by the end of today. Client will not answer the phone to me. Once money has been refunded back to me it will get withdrawn and a visit to the client will be order to demand answers.

I'd say once you've got your money - all of it- block the custard, never return & let them deal with the toilet leak.

I wouldn't be wasting my time wanting any answers.

 

[rocketmanbkk]

I would knock on their door at 7.30 tomorrow morning (Sunday) and say that your there to fix the leak

Then make it worse & leave

 

[oz-plumber]

I'm sure that your electronic bank transfers are the same as ours.

You have to go through steps to transfer money from your account to someone else's.
Much the same as signing a cheque.

I would be getting the bank to investigate the whole procedure, and see who authorised the refund.

There was a case over here where a person was doing the same thing, and she worked for the bank.
She got caught out and was found to be logging into the banks internal logging in setup via one of her colleagues log-in details from a previous branch she worked at.