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 My step daughter has had £1500 deposited into her account in error which is not hers. What should she do?
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 What would someone be able to gain by knowing your bank details?
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Additional Details
to tmlamora1:

tell ...



maryland
If someone has your account number, sort code and name, can they take money out of your account?
without you authorising it?
                     
 




Cuppycake
Rating
Yes. They can order online too.


lilawolf
Rating
They would online or by phone. Most places would ask for your card or id otherwise. If someone knows that info you should get another account before anything happens. Better safe than sorry...


DoUbLe T
OF COURSE THEY CAN


Prodigal Son
Yes, I think they can.


Ash
Rating
NO!
as the person above mentioned. You may not be talking about your Card.

If you give someone your Bank Details, such as a/c no, sort code and name they can only put money "IN".

Unless, the use this information along with 'other' information to create to pretend it is their account and take money, but again, they will need a lot of other information.

I run a business and pay all me bills by BACS, why would these people give me their bank details if I could rob them??!


DZigo
Rating
yep


STEVEN F
Legally, no.
Practically, very easily.
Have you ever paid a bill using 'check by phone'? The same software used by the company works for crooks.

EDIT: Why did every one assume you are talking about a CARD? This question could easily apply to the information on a check. An answer above mine says you VOLUNTEERED the information. The question says NOTHING about how the information was acquired.


SCEPTRE
I do not think so, with the details that you have revealed they can put money in but not out. They would have to prove they were you to withdraw. For those who stated that it could be done over the phone or internet, your a/c. no. is not the number on your debit or credit card. Have a chat with your local branch, they will advise best.


Ahmed H
Rating
yepp....ebay is a prime example

Hope that helps ...Ahmed H


boo!!
with absolutely no problem at all.


perfectionist
ofcourse they can


Swansea
People say yes but I work for a bank and we have to advise people not to give them to someone if they dont trust them but to be truthful there isnt much they can do with it it is really easy for them to pay money in (yeah i wish) but if they do gain access to you account that would be a bank error because they wouldnt be able to pass the security procedure.


Graham S
Your bank sort code, account no. and bank address are on your cheques. Therefore every time someone gives a cheque to someone else they are passing on this information.
I think the idea is that you get money out via a cheque, therefore someone would have to forge a cheque to do this. A member of the direct debit scheme might be able to take money out, but they wouldn't be a member for very long if they did, and D/D has guarantees against this.
If all it took for people to gain access to monies in your account were these two bits of information there would be chaos and the bank cheque system wouldn't work.


maca
Rating
yes


nic nac
Rating
If they can convince the bank they are you and they have other details (your address, date of birth) then you may be in trouble. Banks are pretty good about this though.


Deepest Fear
Rating
in most cases, no. they would most likely ask you for a proof of identification if its a good bank. so if they have an ID, or social security number, then they can get into it.


Ryan
Rating
You can put a stop on it, call up your company and hopefully you would stop the theives from buying anything else.


lewis h
Rating
cant take money out but easily buy things online,


guernsey_donkey2
Rating
Of course.

Simplest way would be to set up a direct debit from your accouunt to mine


CARAMAC
Rating
Be on the safe side cancel ALL your credit cards and ask for a new account number.

Because you've volunteered the information, this needs to be done a.s.a.p.

There should be an emergency number you can call for your on-line banking service... the three digit banking security code (found on the reverse of your credit card) is the most important thing that MUST NOT be disclosed to anyone.

Even when buying on line, make sure you use a secure banking site.

DO IT NOW !!! ring your bank.


Caramac x


micksmixxx
Rating
I do hope that this is a hypothetical situation, dear lady. If not, my advice would be to get on the telephone right now and speak to someone at your bank/building society. I've a feeling that your best course of action would be to close down that account and open a new one. Do it now!


tinow
I dont think so, they need ID to withdraw money from the bank, and if they sign for it in ur name, the bank should check the signature.

If they had ur card then yeh

onlines totally different, If you think someone might, contact ur bank and tell them not to authorise online stuff


Charlotte M
Yes most sites ask for the last 3 digits on the security strip. x


CLAIRE
Rating
I had the same problem I gave my name surname date of birth address sort code and acccount number, but shortly after just in case if something was going to happen I closed down this account and open a different one with different bank. Is it enough?


FYI
FYI i just called Natwest and they said this is not possible, they need a signature or your authorisation to do so, as long as its not card details...


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