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bank made a mistake , they want it back?*

last year i paid a credit card bill through my bank with a cheque from a different bank the cheque was returned to me because it was nt filled in propely so i think i paid it someorther way, but so long ago i can,t remember how ,now 10 mths later my bank are saying they paid it and want the money back off me, if they can prove they paid it do i have to give them money back i never asked them to pay it for me and don,t really they think the did

Answers:

1) Yes, if the bank paid it for you, you have to pay them back. Look at it this way, if the bank had not paid for it you probably would had to pay late fees. In a way they did you a favor.

2) If the bank sends you a front and back copy of a cleared check made payable to another credit card company and shows that "balance transfer" on one of your old credit card statements, then you don't have many options but to pay it. Why? Because as a cardholder, you are responsible for reviewing your credit card statements and disputing any unusual or unauthorized charges within 30 days of receiving your statement. If the bank transferred funds without your permission ten months ago, that transaction and any related fees would have appeared on your credit card statement 10 months ago. By not disputing the items then, you were legally saying that you agreed to the propriety of the transactions contained on that statement. Your rights to dispute transactions are further described in the "terms and conditions" brochure the credit card company supplied you upon opening your account. You can request another one by calling your bank's customer service line. Had you disputed the transaction 10 months ago, the bank would have "stayed" the transaction while they conducted an investigation. If the evidence obtained from their investigation showed that you had never given them authorization for the balance transfer, the bank would have posted correcting entries to your credit card account. You can try to dispute the error now, but please understand that you too made a mistake by failing to notify the bank of this error 10 months ago.

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