Royal Bank of Scotland: Receipts for payments do NOT prove that the payment was received
Here's something you might want to keep in mind if you do your banking with the Royal Bank of Scotland. I received this letter from them today:
Now I'll say outright that I don't know for sure what amount was paid in. This was a collection of cheques that had built up over a week, and it was my girlfriend who took them to the bank for me. But it struck me that the two amounts differed by exactly £50 and I thought it was highly unlikely that a bank cashier would be exactly £50 out when adding up a relatively small amount of money. If it had been £100 out then I could have believed that he simply pressed '2' instead of '1' on his computer, but being £50 out doesn't make sense.
So I rang the bank. It was the manager who answered, and I explained the situation to her, which took a long time because she constantly interrupted and I had to keep explaining things over and over again. But when I did finally get to the end of what I needed to say, she said there was nothing that could be done as it was simply a counting error.
I told her that I would have to see some form of proof that there had been a mistake, as I had a receipt for £217.70 being paid in, and as far as I was concerned the receipt proves that the cashier had counted the cheques and confirmed how much they were worth.
Here's the bit you may find interesting:
According to the bank manager, a Royal Bank of Scotland payment receipt is NOT proof of that amount being paid in. Why? Well, according to the manager, it's Royal Bank of Scotland practice that cashiers don't add-up a total amount for cheques — they only ask the customer for the total and then issue a receipt for whatever the customer tells them. (Anyone who has ever paid in cheques at RBS knows this is untrue. The cashiers add up the cheques themselves.)
So, I asked the manager: Doesn't that make RBS receipts irrelevant? What is the point of getting one if it doesn't prove receipt of an amount of money? She dodged that question a few times and promised to get back to me.
Royal Bank of Scotland receipts: Not worth the paper they're written on.
We'll get individual receipts for every single cheque from now on.