My bank wired funds to the wrong account. Need help to get my money back. In Ottawa, Ontario, Canada. Have informed the
JA: Have you talked to a Canadian lawyer about this?
Customer: No
JA: What steps have you taken so far?
Customer: Have informed the bank (BMO) but they are closed until tomorrow morning We desperately need help to have our money back ASAP
JA: Is there anything else the Lawyer should know before I connect you? Rest assured that they'll be able to help you.
Customer: We have the evidence of the wrong funds transfer Is this a Canadian lawyer?
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Jessica
Consultant
ToLawyer, Expert
Welcome and thank you for choosing Just Answer, an independent paid Q&A service! My name is***** am a lawyer in Canada and would be happy to assist you.
Please be advised that I am working from my computer and may not always be available immediately. Rest assured, I will get to your response as fast as I am able.
ToLawyer, Expert
Can you please tell me a little more about what happened? Did you give the bank the wrong instructions?
Which clearly listed the key details such as beneficiary name, it’s bank and account no. She then sent the wire on last Thursday. She didn’t send me the wire slip before sending the money. When I kept checking with the beneficiary and wondering why the funds are not there I asked her to send me the wire slip which she sent on Friday. I promptly sent it to the beneficiary for investigation. They responded in the evening today that the account no is wrong. When I looked closely I realized that she jumbled the last 4 digits of the account. So the name and the bank are correct but the account is wrong
ToLawyer, Expert
So it was the bank that made an error typing in the 4 digits of the account?
ToLawyer, Expert
I see, how long has it been since the funds were transferred? I would not worry too much about this, the bank would normally be refunding the money to you if it is their mistake.
ToLawyer, Expert
Have you received any response from them?
ToLawyer, Expert
I understand that you are anxious, but the legal steps are much slower. This needs to be resolved at the branch level with a formal response, and if that is unsatisfactory, then you can elevate it to the office of the president, then the ombudsman.
However the office of the president will not even comment on the matter unless there is a written response at the branch level.
ToLawyer, Expert
Yes, it is the BMO internal escalation process.
ToLawyer, Expert
You are welcome! Does that answer your questions today?
ToLawyer, Expert
You are welcome!
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Thank you for trusting us here at JustAnswer. If you have a new question in the future and would like to engage me again, please do not hesitate to request for me directly by going to https://www.justanswer.com/law/expert-jc222/?rpt=3800 and typing - "This is only for JC" and I will get to you as soon as possible!
And of course, if you have any follow-up questions, please do not hesitate to continue typing them here.”
ToLawyer, Expert
Take care.
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