I’m so worried after thousands of pounds appeared in my account... but it’s not mine

Dear Maggie

Two years ago I left £800 in one of my bank accounts and have checked the balance in the last few days to discover £5000 in the account.

I queried this with the bank and they assured me it was correct.

I’m worried about there being an investigation so I have removed the £800, plus interest, in case it gets frozen.

I don’t know whether to leave the account open to see what develops or close it and hand the surplus to the police.

The bank are not taking me seriously. The payments in to the account were about 18 months ago and I noted two withdrawals but not by me. I am puzzled.

Maggie says

I think you’re a very honest man.

Many people would never have told the bank that £5000 had been deposited in their account, instead they’d have gone on a mammoth spending spree. It is tempting, I must admit! If you feel the bank is not taking this seriously enough you must let them know how much this is worrying you.

I suggest you ask for an appointment with the bank manager and take someone along with you. Is there a relative or trusted friend you could rely on?

Tell the manager you want the situation clarified and would appreciate a letter stating exactly what has happened.

It is important to talk to someone at the bank in person. You cannot rely on a phone conversation when it comes to something of this nature.

The situation is clearly worrying you so I’m glad you’ve shared this with me.

Please arrange to meet the bank manager as soon as possible and insist you want this matter dealt with, and a resolution reached quickly, because it is troubling you.

I do hope you get a positive outcome soon.

Looking for practical advice, relationship help or emotional support? As a mum-of-four, grandmother-of-eight and dear friend to many, Margaret’s years of experience make her the ideal person to turn to with your worries