Looks more like the bank screwed up to me. If the details are not correct, the teller should not accept the transaction in the first place. There are enough checks in place in the deposit procedure to prevent mistakes like missing or wrong names, mismatched accounts from even entering the system.

Assuming something is wrong with the cheque itself, either the receiver's or sender's respective bank should have contacted the account holders within a couple of days. Unless someone in the bank sat on the matter and then forgot about it.

The telling point is that the amount actually appeared in the TS's account. This means the bank had the necessary information to either proceed with the transfer or reverse it. That it just sat there for days without further action is quite suggestive where the negligence is.

Sorry, TS, the story the bank officer gave you doesn't quite line up. Looks like they're trying to pass the buck.


TS: Just saw your reply to nightline.

When exactly did you inform kingmaker_20 to go to the bank to redo the transaction?

This post has been edited by March05: Apr 3 2007, 05:38 PM

wlteng, from the picture shown by kingmaker_20, the transaction was done and put into the system. It may be that he wrote the name wrongly, or it was missing - according to your own checking with the bank officer. If so, it is the fault of the teller for accepting the bank-in on 13th March. Public Bank Taiping should have contacted you almost immediately if there was a discrepancy since your account is the one traceable. As this was a cash bank-in, they would not be able to contact the sender at all.

But kingmaker_20 has nothing to gain in delaying the transfer of funds since he has already given the money to the bank, so why are you jumping on him so much? He has no way of knowing that there was a problem with the transfer unless you inform him properly - all he knows for sure is that he gave the money to the teller, it was accepted, and the printed part of the bank-in slip shows your name and account number correctly. From his point of view, you are the one creating the problem.

It's better that you work with him get the money back from the bank and then redo the transfer - a simple matter, just give kingmaker_20 a bit of time to do it.

The bank will probably not want to acknowledge their fault, so confronting the bank officer at this point of time may hold up the process of refund - they could freeze the account pending investigations etc, etc, (worst case scenario).

Once you have safely got the money in your account, then you can make your complaints all the way up to Bank Negara.......

This post has been edited by March05: Apr 4 2007, 09:02 AM

nightline, this was a cash bank-in. No sender's details are recorded or required by the bank. The bank has no way of knowing who the sender is, let alone contact him. All the bank has is the receiver's details and they should have immediately called the receiver if there is a problem.

This whole issue would not have been brought up here if the responsible bank staff had do their job properly.

It has led, unfortunately, to a war of words between wlteng and kingmaker_20. Neither is at fault. If anyone is to be blamed, based on the evidence laid out so far, the teller is the culprit.