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Not a customer, but amount withdrawn

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  • 06-07-2011 7:28am
    #1
    Thoie
    Registered Users Posts: 6,344 ✭✭✭


    A recent bank statement has a listing of

    OP/E.S.B. SUPPLY - €300

    I don't have an ESB account, and can't figure out how this money was taken from my account, or why.

    As I don't have an account, who could I talk to in ESB about this? I'll be contacting my bank as soon as they open, but would like to figure out how this happened. There are no other details on the statement.


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    #2
    Electric Ireland: David
    Closed Accounts Posts: 1,457 ✭✭✭Electric Ireland: David


    Hi Thoie,

    Can you PM me the bank details and the time/date the amount was debited? I will then be able to investigate this for you.

    Thanks,

    David.


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    #3
    dub45
    Moderators, Technology & Internet Moderators Posts: 12,448 Mod ✭✭✭✭dub45


    If it is not breaching any of your personal privacy is there any chance you could tell us how this happened? Was there a direct debit involved?

    How can your bank stand over the lack of protection for your account?


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    #4
    Thoie
    Registered Users Posts: 6,344 ✭✭✭Thoie


    dub45 wrote: »
    If it is not breaching any of your personal privacy is there any chance you could tell us how this happened? Was there a direct debit involved?

    How can your bank stand over the lack of protection for your account?

    I'm dealing with this offline, so won't share the specifics here. David from Electric Ireland has kindly talked to me by PM about this.

    The "OP" in the bank statement stands for Originator Plus - from what I gather this indicates that the Originator (the ESB in this case) is a trusted company, and therefore they don't have to back up every transaction with paperwork to the bank (though I presume they have to keep the paperwork on file in case of queries).

    My reading of it is that companies have to go through some kind of screening process to gain the Originator Plus title.

    I previously had an ESB account, which I had closed with no outstanding balance over a year ago. I'm not sure if I had specifically cancelled the DD with the bank when I closed my ESB account (I'll need to go search through my records over the weekend). It's possible that I hadn't. It's debatable whether I should have had to. I certainly will do in future.

    It appears to me that somewhere along the line my bank account details had become attached to someone else's ESB account. The amount taken looks like a security deposit for a new account.


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    #5
    dudara
    Registered Users Posts: 33,518 ✭✭✭✭dudara


    Closed at OPs request. Matter is being dealt with elsewhere.

    dudara


This discussion has been closed.
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