So, my bank has credited back the money I lost a few weeks ago. It’s all gone quite smoothly surprisingly. Money has been returned and forms have been signed. There is still one thing that has crept up:
I was wondering why I hadn’t been charged for missed direct debits – or indeed why any bills hadn’t been refused. It turns out that 1 day after one of the betting websites took my money I have an ‘ACCOUNT ADJUSTMENT AT ATM’ credit for exactly the same amount. That’s all my statement says.
As far as I can tell, that means someone has put money into my account at a cash machine? Because 2 days after that (3 days after the initial website withdrawal) the bank have credited back the money of the website withdrawal. So where/who has this additional Account Adjustment come from?
It doesn’t seem like it’s from the bank because both the disputed transactions are listed as credited ‘reversals’. Another odd thing is that one reversal is £1.53 more than what it should be. It’s not like the bank to do stuff like that normally. To cut a long story short I’ve gained an additional £462 through this account adjustment thing and someone robbing my money. Not a bad return! I’m almost willing it to happen again.
I’m sure if it’s the banks error they’ll find it soon enough, but for now (and if they ask me) I’m playing dumb. I won’t be the one querying where it came from.
We’ll put that down as compensation for stress and having to deal with banking monkeys on the phone.
It’s also covered my spending money for Glastonbury Festival next month! Whoo Hoo!