Who is liable in this case of double transfer?
I wanted to make a real-time transfer.
My bank told me it failed and I should try again. The transaction wasn't displayed under "Transactions" either (it only appeared briefly and then disappeared again).
I then made the transfer again as a normal transfer.
A few days later, I see that my account is heavily in the red (there wouldn't have been enough money for double transfers, and I didn't allow an overdraft), because two transfers had been made.
Who's liable? Actually, the bank, since they told me to try again and shouldn't have approved the second transfer if the account didn't have enough funds?
(2 votes)
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It’s hard to say. Under certain circumstances, you might be liable if you could have prevented the second transfer, e.g. by checking your account balance immediately.
Right. In addition, I would change the bank because I would lose confidence in their system.
I want you to go to the bank and return the transfer.
It’s not possible. You can’t ‘return’ a bank transfer.
the bank, it can’t..
Of course, the recipient is primarily responsible for reimbursing the incorrect payment. But if you can tell the bank that she asked you to do it, you can take it to Regress.