My grandad went to the bank yesterday and handed in coins, they counted it and told him it was £2000.
Today over 24 hours later they called him and said there must have been a mistake and they can only pay him £1000. Surely this illegal right?
There is no more to it this is exactly what’s happened.

28 comments

  2. Did he get a receipt? Sounds like he told his wife he paid it in the bank and the rest went on the bookies.

  5. It’s not illegal. Their till must have been £1000 short when they cashed up and they noticed the breakdown of the coins totalled £1k not £2k.

    ~ Ex Head Cashier

  7. Does he have any paperwork or is there an online record? Banks can theoretically make mistakes, but a grands worth of metal is a big one.

    Does he KNOW (even to the nearest £1k) how much there was?

  8. Sounds like he handed in £1000, but got a receipt for £2k and now he’s pissed that he will only get £1k?

  9. Contact the bank and ask them to explain why they are now taking 1k off him.

    Then ask them to explain how this “mistake” happened.

    Finally, ask them for evidence proving the mistake they described happened did indeed happen.

    The most likely explanation is the cashier screwed up and he really only did pay in 1k.
    If this is the case they should be able to explain how the error occurred and prove it – if they can’t prove it then raise formal complaint with the bank.
    If that does not resolve the matter then go to ombudsman (but you need to follow the banks complaints process first).

    Note. If he only did pay in £1000 then he is only entitled to £1000 even if at the time he was told it was £2000. I.e. No point complaining if they prove he only paid in 1k.

  10. My bank won’t take cash from me unless I answer the question ‘how much are you paying in’. They also won’t just count it for me. Notes can be loose, but coins have to be in coin bags. Your Grandfather must have counted and bagged the coins before going to the bank first surely? He can’t just have turned up with 2 grand in coins in a carrier bag or something? That’s well over 10KG of coins.

  11. Short answer is that the bank made a legitimate mistake and have contacted your grandad to rectify. He has not lost any money, therefore you would have no claim against the bank.

    Sure, you could claim that he gave them £2k and use the receipt as proof. But that would be fraud.

  12. 1. If he actually paid all this cash into the bank and specifically into his account, they will have given him a receipt. They literally count it out in front of you and confirm the amount matches what you expect before accepting it.

    2. My experience with cash deposits into banks is that the money is almost instantly added to your account balance.

  13. Mistakes happen and it’s not ilegal for a bank to correct errors when they do (in fact it’s more likely to be ilegal if they don’t).

    Obviously it *would* be ilegal if they were stealing the money or defrauding him. But that would be pretty unlikely and difficult to prove unless he was able to demonstrate that it actually was £2000 that was deposited.

  15. You get a receipt when you pay in. Whatever number is on that receipt is what he is owed regardless of what the bank say now.

    Also, banks don’t sit there and count out a minimum of a thousand coins (and likely more like 5,000 individual coins) that just absolutely does not happen so this story is not entirely true

  16. Right guys I have an update as I’m with grandad now, I have the receipt in front of me for £2180, they are now saying after 24 hours there was only £1180, they weighed the bags of money In front of him yesterday and then gave him the receipt and now today they are saying it was a mistake

  17. Cashiers write pink slips of exact amounts, sometimes totals don’t add up and they find out when they balance and re – check all of the notes, and anything that doesn’t match up. For example writing 100 total £1 coins in the £1 coin section but adding it up to £200 in the total value section as human error, while they may credit your account with £200 they’ll notice they’re £100 short at the end and see the slip which states this and reach out to the customer to confirm or notify of the error.

    ( i recently left a job at a bank)

  20. Thats not illegal of the bank. Its a mistake. Regardless what the receipt says. raise a complint get some compensation sure. But it is not illegal to tell someone they have made a mistake and miscounted something.

  21. This kind of scenario is exactly why I go to great pains to count coins myself and bag them up appropriately before taking them to a bank.

  26. The lightest possible way to get £2,000 in coins would be one thousand £2 coins. A £2coin weighs 12 grams. That’s twelve kilograms of coins.

    If we get as close as possible to £2,000 with an even split of the four largest denominations, we have have 540 of each coin (and a total of £1,998), weighing 18.22kg.

    If we split the £2,000 equally and have £500 each of the four largest denominations we have a total weight of 27.875kg.

    I do not know any octogenarian capable of carrying any of these weights into the bank, let alone the likely substantially higher weight if any of the coins are smaller denominations than 20p.

  28. I’ve had this before, but not on such a large scale. I KNOW I banked £950, the bank decided it was only £900 after they checked it later in the day. Robbing sods…

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