I thought this was the sort of thing that only happens to other people.
I went to a cash machine at lunchtime to get some money to buy sandwiches. While performing this transaction I decided to check my balance – something I don’t normally do but I had the urge to break my routine for some reason. I noticed to my surprise that I had quite a bit more money in my account than I was expecting. I looked at my watch that correctly pointed out that it was the 21st of June and therefore nowhere near pay day. I took my money, bought my sandwiches and walked back to the office (I had a lovely coronation egg salad sandwich from Pret A Manger if you must know).
So I went on-line and checked my bank statement and lo-and-behold, there was a bank transfer of £1629.72 into my account with the mysterious description of “BANK CREDIT SA.”. Normally, when my salary goes into my account the description gives the name of my company so I knew it wasn’t that. I called my bank to ask them.
When I inquired about the transfer the guy said “That’s strange, it only has the text SA, normally there’s more than that”. He then read off the transaction number which meant nothing to me (something like 686960404596001X) and cross-referenced the code with all my direct debits – to no avail. He said he couldn’t find out who it was from. Weird. I was advised to not spend the money and if it was transferred erroneously it normally takes people about a week to realise and then they’ll be in touch – although he finds it a bit unlikely as they’d need to know my sort code and my 8-digit account code. He said if I heard nothing by then to ring back and they can do some more investigating.
I’m a bit perplexed. To my knowledge nobody owes me any money. I’ve spoken to anyone who’ll listen and they deny all knowledge. I sent in my tax return a while ago and even calculated it myself (I was bored) and reckon I’m owed about £30 so it can’t be from the Inland Revenue.
So if anyone out there knows who it’s from, let me know (although you’re not getting it back)! But should a big nasty company contact me and ask for it back I’ll say yes, as long as they give me a free coffee mug with their logo on it so I can add it to my collection. Or maybe I should ask for more?
Update (1/2/2005): It turned out that the deposit was from the Inland Revenue for overpaid tax. A couple of weeks later I got a letter confirming that fact so I got to keep the cash!