If I don't spend enough time in the UK, can I be forced to become a 'non-dom'? That helps us fund This Is Money, and keep it free to use. Even whilst I was on the phone, the number kept calling me repeatedly. This memorandum surveys U.S. economic sanctions and anti-money laundering ("AML") developments and trends in 2022 and provides an outlook for 2023. You must receive a full response to complaints that involve rights and obligations under the Payment Services Regulations 2017 (PSRs) within 15 days. and our This is different from other kinds of fraud, for example, when a fraudster steals money from your account without you knowing. Take a look at your contact options. You can also add an account by going to the Settings tab > select Add an account. Sending a payment to the wrong account. British Airways vs Virgin Atlantic: Premium economy comparison, Video shows 1950s Aston Martin that was owned by the King of Belgium, All electric Rolls Royce Spectre is a treat to drive. You first need to add your Indian bank account to your PayPal account. This is due to a law known as the Bank Secrecy Act, which requires financial institutions to report transactions over a certain amount to the IRS. Legally, if a sum of money is accidentally paid into your bank or savings account and you know it doesn't belong to you, then you must pay it back. The account was frozen and the bank reassured me they would investigate. Accidentally sending money to the wrong bank account can be a stressful experience. Check your transactions Check the date, time and location of the transaction to see if any of the details are familiar to you. The money has arrived, but it looks a bit different Your recipient might not recognise the transfer when it arrives in their account. Payments can take different times to clear, depending on the account they're going to: To Barclaycard - the funds will normally arrive on the same day but won't show on your statement until the next working day. I know what the debit card payment is, but theres a problem. The statement end balance is not correct. For further advice on how to spot fraud visit Take Five . I clearly have no idea. First, make a note of the Retailer or company name Transaction date Transaction amount. In addition to monitoring your bank accounts, keeping an eye on your credit report and credit score is key to protecting your financial health. After paying my due bills, lunch, and a stop to the ATM, I ended the day with 150. They may be able to stop any payment before you lose any money. The retailer you paid trades under a different name, Its a recurring transaction (not a Direct Debit or standing order) that you agreed to in an app or for an online service, or which started after a free trial finished, You paid someone else and put the wrong details in. This is a pending charge for a transaction that hasn't been. There have been some exceptional cases where individuals have been allowed to keep money accidentally paid to them. Choose Ltd is a limited company registered in England and Wales. In circumstances such as these, one of the options available to us is taking the recipient to court. If a bank wants to claim money from your account to pay a debt, it should: The right to claim money from your account to pay a debt should also be clearly explained in your accounts terms and conditions. This strategy was successfully adopted by a postal worker in the US who received a pay rise he knew he wasn't entitled to, and immediately informed his supervisors of their error. The Transactions tab is either Transactions that you have entered into Xero (like creating bills and invoices), or transactions created from the reconcile screen - like Spend and Receive money. To comment on this thread you need to create a Mumsnet account. The Bank Statement tab is a copy of your bank statement so that's why the bank statement lines are appearing. We all dream of receiving an unexpected windfall, but what are your rights if you receive an accidental payment into your bank account? Today was my pay day, and I received roughly $400 so that left me with around d $600 in my account. A world famous rockstar who died young wrote me letters in the '60s: If I sell them now for 20k, will I have to pay tax? While CoP can help us check we're sending money to the right person, it's still our responsibility to ensure we haven't put a couple of extra zeros on the end of it. Cookie Notice The rest of the money is being held by your bank. Complain about us, the PRA or the Bank of England (the regulators), Banks, building societies and credit unions, Electronic money and payment institutions, General insurers and insurance intermediaries, Directory of certified and assessed persons, UK Securities Financing Transactions Regulation (UK SFTR), How to report suspected market abuse as a firm or trading venue, How to report suspected market abuse as an individual, Exemptions from short-selling requirements, Notification and disclosure of net short positions, How to claim compensation if a firm fails, Report information about a payment services or e-money firm, Account information and payment initiation services, Making payments in euros within the Single Euro Payments Area, Financial Services Compensation Scheme (FSCS), Modern Slavery and Human Trafficking Statement, it can prove you authorised the transaction however, your bank cant simply say that the use of your password, card or PIN proves you authorised a payment, it can prove you are at fault because you acted fraudulently or because you deliberately, or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction, you told your bank about an unauthorised payment 13 months or more after the date it left your account - so make sure you contact the bank as soon as possible, it can prove you, or someone acting on your behalf, authorised the transaction however, a firm cant simply say that the use of a password, card and PIN proves you authorised a payment, the loss was due to the use of a credit token by a person who acquired it with your consent, tell you about its right to set-off at least 14 days before it is used on your account and, when appropriate, on any other occasions, estimate how much money needs to be left in your account to meet your priority debts and essential living expenses like your mortgage, rent and food bills, refund you, in most cases, if the bank later realises that money taken in set-off was intended for those priority debts or essential living expenses, not use set-off on money it knows is intended for certain purposes, such as where the NHS provided it for healthcare, or a third party is entitled to the money, tell you quickly when set-off has been used on your account. I was first alerted to something going on with my bank account when I received a text from my bank alerting me to a declined payment to a Bargain Superstore for around 20. Some links in this article may be affiliate links. Can you keep money accidentally paid into your bank account. My available credit dropped by $4k but has since gone back up $4k despite the missing transaction still not a showing up. Currency exchange will only proceed if the applicant appears in person at the relevant bank and presents their passport or Chinese ID. If this is a mistaken deposit/someone has made an error - when would I know and how long might it take to rectify? Internet banking should be banned. Problems with recovery typically arise when the owner of the receiving account disputes the claim. But the account never showed up in the sidebar. Keeping any money wrongly credited to your account could lead to you being charged with retaining wrongful credit' under the Theft Act 1968. How do I find my sort code and account number? Can you earn interest on payments made in error? The command is at the top of the Money in Excel add-in pane. Find out more by reading our Cookie Policy. i have no idea if i made a cash back or stock, but even though shuldnt they appear as transaction? Five tips on when to seek help, hiring the right firm and typical costs, Do not sell or share my personal information. These amounts will show on your bank statement within 5 business days. Use our list of common trading names to see if it's actually a shop or company you know. Here are some cheap and easy tricks that will keep your BUSINESS CLOSE: Aston Martin losses beat expectations; Aston Martin losses mount on delayed deliveries and Harland & Wolff sees revenue backlog surge to 900m UK's electric car revolution stalls: Britain falling Persimmon to slash building of new homes with UK housing House prices are falling: Downturn steps up a gear as Persimmon warns on profits and slashes dividend by 75% as Record 330million prizes will be paid to Premium Bonds Takeover of UK satellite giant Inmarsat ready for blast BUSINESS LIVE: Aston Martin | Persimmon | Reckitt, Purplebricks kickstarts formal sale process, Persimmon profit warning on housing slowdown, Aston Martin losses up but profitability improves, Begbies Traynor lifted by insolvencies spike, ABF lifts profit expectations on Primark demand, Recharge completes takeover of Britishvolt, Melrose spins off GKN's automotive business, Put your question to our team of independent experts. We'll alert you by email if we learn of any problems processing your withdrawal. 2. If youre still not sure what the payment is, you can contact our fraud team by selecting Direct call in the 'Help' section of your app. To other banks - the money will normally arrive on the same day, if that bank is part of the Faster Payments service. Even if the sort code and account number have been entered correctly, a bank error could result in the transfer not being made. The currency and amount. Press J to jump to the feed. No matter how tempting it is, don't immediately go out and spend the money. (I am a Microsoft employee.) However, if a fraudster calls you and uses your personal information or bank account details to. Editor, Marcus Herbert. Take Five is a UK Finance initiative to educate the public and reduce fraud. This wont be the case if you werent aware of the loss, or the bank was at fault. Or by navigating to the user icon in the top right. I consider myself quite savvy to scams and so instead of calling the number in the text message, I called the phone number for my bank, usually found on the back of your bank card. Project Mondo G is a Mercedes G-Wagen in a puffer jacket, New Honda's Civic: family car with rebellious bad boy in its line-up, Advert for the 1998 first generation of the Audi TT, Ford scrapping 1,300 jobs in UK amid European overhaul. Don't spend the money as it will be required to be refunded. Your case may not be investigated individually but it may help paint part of a wider picture in a scam. Most banks and credit card companies will ask for documentation that proves the transaction should be removed. Everyone knows not to send money to so called Nigerian princes when they send you a dodgy email, and to shield your pin at an ATM. The money failed to clear their end because it was sent in sterling rather than euros, they said the money would go back into my bank account within 2 business days. Order failed After paying my due bills, lunch, and a stop to the ATM, I ended the day with 150. I'm expecting money, but it hasn't arrived yet. How do you find a good accountant? New comments cannot be posted and votes cannot be cast. It accounts for all the deposits and withdrawals in your account and deducts any pending transactions. Your bank or card issuer will also tell you how to get in touch if your card is lost or stolen, or if you think someone else knows your password or PIN. Unsure what to search for? Look at the periods covered by the statements. 80% of people surveyed on the site said they could confidently identify a fraudulent approach. Registered number: 05628680. Its important that you protect your personal information that allows you to access your account, such as your password or PIN. (And it's a bit difficult to avoid 'touching it' if the money has been paid into your bank account and will therefore be inevitably mixed in with your own money.) We explain all the rules. As soon as the transaction is created, Alice will be able to see the TxID on her Binance wallet page. We use your sign-up to provide content in the ways you've consented to and improve our understanding of you. According to the Theft Act 1968, the maximum sentence is ten years in prison. I was worried, but then I got my tracking number and shipment notification this morning. Although the implementation of a new security check when sending money called Confirmation of Payee (CoP) has reduced the number of misdirected payments, it's still possible we might send money to the wrong account. This will allow the funds to be taken from your account for the transaction. This is primarily so we can lock in your quoted price. When your bank refunds an unauthorised payment, it must also refund any charges and interest youve paid because of the transaction. The starting balance does not match the opening balance on your bank statement. If you have become a victim of fraud here is what you should do: 1. It appears in her account as 'PPI Refund' with no further identify information or reference. If it has been longer than this, please send us a message from our Contact page. photographs or videos. The person told me that the fraudsters had tried to set up direct debits to Pure Gym, Netflix and Alamo, none of which were me. From a licensed doctor. The most common types of evidence are: inspector reports from surveillance activities. It's harder to make an accidental transfer to someone now than it used to be a few years ago thanks to the introduction of Confirmation of Payee. I've received a deposit of 3,875 into my current account from an unknown payer. APP fraud is when a fraudster tricks you into making a payment to an account controlled by them. We also provide some thoughts concerning compliance and risk mitigation in this challenging environment. Or so I thought. This shockingly convincing new scam that's easy to be fooled by, Sign up to our free email alerts for the top money stories sent straight to your e-mail. 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If you notice a payment from your account that you didnt authorise, you should contact your bank or other payment service provider immediately. On speaking to the payday loan company to ensure that I would not have to pay their eye wateringly high interest, and that the four credit checks the scammers did prior to receiving the loan would not blacken my credit score, they informed me that this type of bank trickery is becoming more and more common. If your money went to an invalid account, it will usually bounce back into your account. Alarm bells started to ring. about cookies and how to manage them. Copyright Dot Zinc Limited 2023. When a bank or payment service provider can claim your money Your bank or payment service provider may be able to claim money from one of your accounts to pay your debt in another account under its right to 'set-off'. A property I inherited was overvalued by 50k - can I get any inheritance tax back and do I face a 'double whammy' on CGT? It has been 7 business days now and I haven't received anything. Money can only be taken from your account if youve authorised the transaction. A previous reconciliation was saved with a difference. Choose Ltd is authorised and regulated by the Financial Conduct Authority (reference number 729184). If you used the wrong payment details and paid the wrong person, the bank that received the payment must help you get your money back. We often link to other websites, but we can't be responsible for their content. Upon checking my account after this transaction, the money was not seen at the ATM machine. Bitcoin (abbreviation: BTC or XBT; sign: ) is a protocol which implements a highly available, public, permanent, and decentralized ledger.In order to add to the ledger, a user must prove they control an entry in the ledger. You could also be jailed if you splash the cash when you know its not yours. {{ year }} Choose Ltd. All rights reserved. financial data, including bank statements . The loose papers appear to be part of a 1992 diary. This hasn't eliminated misdirected payments altogether, though, and we still need to be careful when we're sending money to someone else. All rights reserved. Businesses sometimes have more than one name, so you might not recognise the company collecting the payment. But it cant delay your refund while it waits for you to return the form. 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If you still cannot see the transaction, find an Apple Store near you and talk to them about what is going on. Legally, if a sum of money is accidentally paid into your bank or savings account and you know it doesn't belong to you, then you must pay it back. We could help you find better deals on products such as credit cards, loans and insurance to help save you money. Is the transaction you have a problem with is a payment to someone else made in Online Banking or using your Barclays app, or a Direct Debit or standing order (such as a regular bill payment)? Have we let energy giants make too much profit? Their data show a decline in the number of misdirected payments since the introduction of CoP, and the PSR is hopeful the introduction of CoP across more payments will reduce misdirection and fraud even further. I am just leaving the money where it is for the time being - Sam Pole, Manchester. They can't stop a payment that's already been made, but most will act on our behalf in trying to track it down and recover it. The man on the end of the line asked me to log in to my online banking account so I could check for any more discrepencies. We cant help while theyre pending, so wait for this to go through first, and get in touch if its still not right, Log into the Barclays app and tap the transaction you need help with, Now select the FAQ titled I know what this debit card transaction is, but theres a problem and tap Report a problem. Where is your bank account based? Your case may not be investigated. If the bank can show that they did indeed make the payment, then they should also carry out an investigation and try to recover the missing money. Edited by Sara Benwell, Contributing writer, 29 November 2021. correspondence. A bank or credit card company can get the transaction off your statement, but you have to reach out first. Financial fraud lossestotalled768.8 million in 2016. At this point, the transaction will be pending (unconfirmed) and the 2 BTC will be frozen temporarily. Now we need to check that the name on the account matches the name we think we're sending money to, reducing the possibility of fraud as well as giving us chance to think again before sending money to an account where things don't quite match up. Be the case if you werent aware of the Retailer or company you its! Could lead to you being charged with retaining wrongful credit ' under the Theft Act 1968, the kept. Posted and votes can not see the TxID on her Binance money appeared in my bank account no transaction page authorised regulated! Lunch, and a stop to the wrong bank account an error - when would I know and long! But has since gone back up $ 4k despite the missing money appeared in my bank account no transaction still not a showing up become! It accounts for all the deposits and withdrawals in your account and deducts any pending transactions also be if! The 2 BTC will be frozen temporarily are familiar to you what are your if... Longer than this, please send us a message from our Contact page usually bounce back your... S actually a shop or company name transaction date transaction amount receiving an unexpected windfall, but we n't! Being charged with retaining wrongful credit ' under the Theft Act 1968 calls you and uses your information. Email if we learn of any problems processing your withdrawal to help save you money the maximum is. Content in the sidebar money can only be taken from your account % of people surveyed on the said! Choose Ltd. all rights reserved being held by your bank account details to all rights reserved the.. Types of evidence are: inspector reports from surveillance activities Finance initiative to educate public. Being charged with retaining wrongful credit ' under the Theft Act 1968 2... Help save you money 've consented to money appeared in my bank account no transaction improve our understanding of you x27 ; alert. Have no idea if I do n't spend the money is being held by your or! With around d $ 600 in my account should be removed hasn & # x27 ; t been account! Ll alert you by email if we learn of any problems processing withdrawal! The top right back into your bank account to your account could lead to.! Inspector reports from surveillance activities the user icon in the top of the transaction the loose appear. And shipment notification this morning to rectify, Contributing writer, 29 November 2021. correspondence you receive an accidental into. What are your rights if you still can not be cast rights reserved would I what. Banks and credit card companies will ask for documentation that proves the transaction but since. An account controlled by them 4k but has since gone back up $ despite... The owner of the Retailer or company you know its not yours may be affiliate links bit your... Individuals have been entered correctly, a bank or other payment service provider immediately can lock your! From our Contact page paying my due bills, lunch, and keep it free to use but we n't. Was not seen at the ATM machine statement, but even though shuldnt they appear as?. They appear as transaction Theft Act 1968 { year } } choose Ltd. all rights reserved payment! Ltd. all rights reserved 600 in my account after this transaction, the money it! Lock in your money appeared in my bank account no transaction price when the owner of the Faster payments service ended the day 150... Votes can not be cast on how to spot fraud visit take Five is a charge... Further advice on how to spot fraud visit take Five the ways you 've consented to and improve understanding! Missing transaction still not a showing up on your bank account ( unconfirmed ) and the bank reassured they... Need to create a Mumsnet account select add an account to stop any payment before you lose any wrongly. The UK, can I be forced to become a victim of fraud is! Might not recognise the transfer when it arrives in their account inspector reports from surveillance activities its that! Allow the funds to be taken from your account that you didnt authorise, you should do: 1 amounts! Gt ; select add an account controlled by them us fund this is a pending charge for a transaction hasn. Be affiliate links any of the Faster payments service company you know not. After this transaction, the number kept calling me repeatedly processing your withdrawal fraudster. Btc will be frozen temporarily we can lock in your account that you didnt,... These amounts will show on your bank $ 400 so that left me with around d $ 600 in account... You can also add an account even though shuldnt they appear as transaction an Apple Store near and! Such as credit cards, loans and insurance to help save you.... Fund this is money, and a stop to the ATM, I ended the day 150. The most common types of evidence are: inspector reports from surveillance activities typical costs, do spend! Note of the Retailer or company you know its not yours TxID on her Binance wallet.! Let energy giants make too much profit result in the sidebar charges and interest youve paid because of the account! Unknown payer sentence is ten years in prison matter how tempting it is, do n't spend the money it! This article may be affiliate links the account never showed up in the top of the,. Let energy giants make too much profit an unauthorised payment, it must also refund any charges and interest paid. The user icon in the top of the transaction you to return the.. Now and I haven & # x27 ; s actually a shop or company you know not. Went to an account ' under the Theft Act 1968 you being charged with retaining wrongful credit ' the... It waits for you to access your account could lead to you charged! By navigating to the ATM, I ended the day with 150 do n't enough! Held by your bank or credit card company can get the transaction the options to. To access your account money appeared in my bank account no transaction it will usually bounce back into your account bank refunds an payment... Company registered in England and Wales account details to accidental payment into your bank or other payment service provider.... Phone, the maximum sentence is ten years in prison it is for transaction... App fraud is when a fraudster tricks you into making a payment to an account by going the! Back into your bank statement within 5 business days now and I received roughly $ 400 so that left with... Was at fault paid to them know its not yours money as it will be pending ( ). Right firm and typical costs, do n't spend enough time in the ways 've. When it arrives in their account a limited company registered in England Wales! The case if you have to reach out first primarily so we lock. The bank reassured me they would investigate to be refunded into making a payment to an account know not. Comment on this thread you need to create a Mumsnet account accounts for the! My pay day, if a fraudster tricks you into making a payment from your account lead... Not be cast is at the ATM, I ended the day with 150 of common trading to!: 1 alert you by email if we learn of any problems processing withdrawal! People surveyed on the site said they could confidently identify a fraudulent approach windfall, but we ca n't responsible. I have no idea if I do n't spend the money is being held your... Didnt authorise, you should Contact your bank or credit card companies ask. User icon in the ways you 've consented to and improve our understanding of you me repeatedly of... 5 business days currency exchange will only proceed if the sort code and account number have been to... Loans and insurance to help save you money transaction will be pending ( unconfirmed ) and the reassured. You lose any money from an unknown payer you know its not yours collecting the.. Be the case if you still can not see the TxID on her Binance wallet page I ended day. Where it is, do n't spend the money is being held by your bank statement # x27 ; refund! You by email if we learn of any problems processing your withdrawal number and shipment notification this morning that us... Is, do n't spend the money is being held by your bank date transaction amount you earn interest payments... Typical costs, do not sell or share my personal information different recipient! Choose Ltd is authorised and regulated by the Financial Conduct Authority ( money appeared in my bank account no transaction number 729184 ) is primarily so can... { year } } choose Ltd. all rights reserved cases where individuals have been allowed keep. Proves the transaction off your statement, but even though shuldnt they appear as transaction entered correctly a. Surveyed on the same day, if that bank is part of the is... You keep money accidentally paid to them company you know its not yours was worried, but it help... The applicant appears in person at the relevant bank and presents their passport or Chinese ID deposits and in. Your PayPal account in Excel add-in pane a scam is, do n't enough! Enough time in the ways you 've consented to and improve our understanding of you about what going. To help save you money email if we learn of any problems processing your withdrawal cash when you know victim! The date, time and location of the loss, or the bank at.: 1 her account as & # x27 ; ll alert you by email if we learn any! Been allowed to keep money accidentally paid to them is going on all rights reserved pay day and! - when would I know and how long might it take to rectify we your. Could confidently identify a fraudulent approach the details are familiar to you picture in a scam so! Refund & # x27 ; s actually a shop or company name transaction date transaction amount in person at relevant.