Paying In Money

[cassa333]

Here is the scenario that I need clarifying please:

I bank with NatWest but went into a Barclays to pay into a Barclays account.
I used a paying in envelope and wrote the details myself and kept the little slip.
On the slip I simply put the amount paid and the date.
The slip has a transaction number.

If that payment does not go through, who is it that contacts Barclays? Me as the person who paid it or the recipient who didn't receive it?

Thanks

[Canary42]

You I would think - your activity, and you have the evidence.

[JJ109]

The recipient that did not receive it - but they will probbly need your receipt nd the exct detils from you.

Barclays have a duty of secrecy relating to all its customers accounts and therefore cannot even acknowledge to you that there is an account in the name that you purported to pay money into.

[ubasses]

How did you pay? If with a cheque, you would have to ask Nat West to get you a copy of the back and front of the cheque which will show the details of the account in went to. The recipient can then speak to their Bank armed with this information for them to trace the payment. As long as you wrote the correct payees name, sort code and account number on the credit it is unlikely to go wrong. If not it could end up in a suspense account but if the details belonged to another customer you are at their mercy, all Barclays can do is write and request the money back.
If you used cash, and got the receipt slip stamped give the recipient a copy to take in. If you didn't there is no proof that you ever made the payment and they will probably not even entertain an investigation beyond whether there was a cash difference on balancing the tills.

[Old_Geezer]

I'd figure that in a similar scenario, if I didn't receive an item in the post I complain to the one who says they sent it and they chase it up with their carrier. In your case I'd have thought the non-receiver would complain to you and you'd ask Barclays what they were up to.

[ubasses]

Barclays are very unlikely to speak to Cassa as she is not their customer. If a cheque has been used Nat West should follow up on it, but often quicker to give info (including a photocopy) the beneficiary.
Unless things have improved in the last few years Banks enquiries to others Banks tend to go to the bottom of the pile because they have not got to face the customer.

[cassa333]

The money was cash and all the proof there is is the slip you tear off to keep. It has a transaction number but other than hand written date and amount paid there is no other details.

[KARL]

Just an aside to the OP: I recently went to a NatWest branch to make deposits into two separate NatWest accounts. I handed over the total for both as a whole rounded up sum. The girl insisted on completing one deposit on her computer terminal, taking enough in notes to cover it AND pulling out the change in coins from her drawer and putting with the remainder of my cash - I was dumbfounded. Then she did the same again for the second and finally handed me the remaining coins. This made me feel very strange because for decades, when abroad, I have been the audience for derision when describing what has been called experience of primitive, backward, etc. banks in the UK. It felt like watching a primary school child taking the first the steps beyond two-plus-two.

[ubasses]

If you paid in via a pay in machine and that printed the transaction number on the slip, that will be the equivalent of a cashier stamping a counterfoil. However if you just completed a paying in slip tore the customer copy off and handed the envelope into someone, or put in their post box, there would be no evidence in the unlikely event it did not reach the beneficiary. I must emphasise that it is very rare for transaction not to be processed efficiently.