Toymods Car Club Inc: The Outhouse => Incorrect Netbank transfer problem?!?!

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clubagreenie
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Re: Incorrect Netbank transfer problem?!?!	Fri, 29 July 2005 06:44

I can comment accurately on this as I used to work in the very area that handled this, not for the same bank, but trustme they all work the same. If the BSB and acct number are correct (remembering that accts no's aren't duplicatedbetween branches to prevent these problems) then it will go to the account. If the numbers are correct but don't match up in regards to correct account number for the branch or correct branch number for the account it will appear on a report (at the branch it was numbered to). So if you got the branch number incorrect for the account (but valid), it will go to the wrong branch and appear on report as no account, they lookup account number and it appears at other branch, check other details (name) and send on. If the branch number doesn't exist then it will be picked up before being exchanged overnight between banks and sent back to the originating bank (hard to get back) If account number wrong (but valid branch number) then will appear on branches report. Gets checked by name vs acct numbers and if they can track it down then post to right account. So if they say they can't do anything they are either a/ Lazy b/ Useless or haven't actually received the money due to the nature of your error. I'm not sure of how they would go about tracking internet tfrs from origin unfortunately but when it gets to the destination any errors are treated the same. If the error meant that the sending bank couldn't identify the destination (wrong BSB only, because one bank can't know anothers account numbers correct/incorrect) then it will appear on their reports and corrected if possible. However if it was processed manually at any point then it could be a keying error by staff. The trick is to start at the origin of the funds and track from there. What part of the BSB was wrong? The BSB (BANK/STATE/BRANCH number) is broken down as such: XX X XXX XX = Bank, 01 anz, 03 westpac, 06 cba, etc x = state, 2 = nsw, 3 = vic etc (basically follows postcode 1st digit) XXX = brach Get the bank number wrong and you can be really screwed, especially if the state/branch is right. Doubly screwed if it's hicksville NT and they haven't a clue what they have on a report and simply wait till someone calls them. If any of it is wrong and doesn't match anything anywhere then it will be sitting somewhere waiting for someone to do something with it. They won't care (especially if it's an internet dept as they are busy enough) and they make money from your funds. Go to the bank, demand to know who to contact for internet banking errors (call the internet/phone banking service is the best bet), don't take no for an answer. The phrase "that is simply inacceptable" is your friend followed by silence and a stare if in person. Tell them exactly where you made the error, and where it should have gone, when it was done (date and time) also when it actually came from the account (may have been a delay which would explain why they cant find it). Don't pay any fees prior to them finding it 'cause once they have the money why should they continue to give a shit? Then don't pay the fees anyway because then it's fixed and all good. If they say they will take it from your account, they can't do that without your sig on a form, if they do take it to the banking ombudsman for bending over. regards J [Report message to a moderator]

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