benaj
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Post by benaj on Aug 15, 2019 9:59:51 GMT
Let's say I make a payment online to John, I double check it, before confirming payment. Then the payment is sent to Joan as a Faster Payment.
How do you prove the bank make a mistake (like a glitch) and not myself?
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r00lish67
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Post by r00lish67 on Aug 15, 2019 10:17:21 GMT
Let's say I make a payment online to John, I double check it, before confirming payment. Then the payment is sent to Joan as a Faster Payment. How do you prove the bank make a mistake (like a glitch) and not myself? Firstly, just in case it's relevant, there's no validation on names with payments - only account number/sort codes. In any case, If you selected pre-existing details for John and then the system sent it to Joan, then the only way that could be proven that I can see is by the bank's IT team tracing through their own application logs. Even then, it might be very difficult to find. In reality though, in the very unlikely scenario that this is a real glitch, there would surely be multiple instances of it from other customers complaining about the same thing. A lone complainant would be unlikely to receive serious consideration for proper investigation I would imagine. Hope this hasn't happened to you!
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benaj
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Post by benaj on Aug 15, 2019 10:26:55 GMT
I know a start up bank requires writing before making zero fee same day high value payment, the conversation log will provide evidence at least. Another online only bank logs the telephone conversation and ring back prior making payment.
However, most bank apps don't have activity logs for the end users at least.
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r00lish67
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Post by r00lish67 on Aug 15, 2019 10:29:47 GMT
I know a start up bank requires writing before making zero fee same day high value payment, the conversation log will provide evidence at least. Another online only bank logs the telephone conversation and ring bank prior making payment. However, most bank apps don't have activity logs for the end users at least. Yeah I don't think any company is going to knowingly make their application logs available to end users. A series of calls would be required to their ever helpful customer service agents who would probably need to send it to 2nd/3rd line techies (I was briefly a fairly inept 3rd line techy, but I could just about grep for things in application logs. Niche ref there.
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benaj
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Post by benaj on Aug 15, 2019 16:55:57 GMT
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Post by Deleted on Aug 16, 2019 8:32:59 GMT
A few years back I lost confidence in my bank and I took screen shots of every stage of the transaction process including date and time stamps on each on my laptop. I used one of the freely available tools and just stored the snap shots. I didn't need to use them but it would show my transactions against their transactions.
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Mike
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Post by Mike on Aug 16, 2019 10:03:17 GMT
How do you know it was your bank that made a mistake, rather than the receiving bank?
As hard as it is to believe, money can get lost through online transfers. I've been in a situation before where a (regular business) customer sent, as usual, a payment to me. Their bank were adamant it was sent correctly, and provided written confirmation of the transfer details. It never came through, and my bank (Barclay's) were clear there was nothing erroneous on my end - there was simply no payment.
About 3 months after we finished a pointless argument about who had(n't) sent/received the money, the customer emailed to inform me the money had been returned to him with the excuse being Barclay's rejected it due to incorrect details (they were correct, and had been used zillions of times successfully prior to this).
Unfortunately during that time he found another supplier! But, I was quite surprised to learn that money can be "lost" like that for so long. I have no reason to doubt his story, and I got paid in the end.
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