alleged computer error, the New Bank transferred thousands of euros for former customer accounts opened in various banks, including Caixa Geral de Depósitos (CGD), and the process of recovery of these amounts is not automatic and may require the institution led by Stock da Cunha to go to court.
at issue are former clients of the New Bank that closed their accounts after the resolution as BES, transferring their balances to open accounts at other institutions . Apparently, this was a transfer of repetition carried out in 2014.
PUBLIC confirmed the existence of transfers to CGD customers and also found that there are at least two major national financial institutions with the same kind of situations. One of these banks declined to be identified and relative to each other could not be obtained in due time, an official confirmation. Shipments may, however, occur in a broader universe of financial institutions.
Contacted by PUBLIC, the new bank, which is in the sales process, was not available to provide any clarification on the computer error, particularly on the amount involved in these transfers, which have been “discharged” in the early hours of 23 March.
However, the size must be considerable, since only an agency of CGD, Santa Maria Fair, registered nine transfers in amounts ranging from two thousand to 20 thousand euros.
Contacted by PUBLIC, CGD did not disclose the number of cases registered in their agencies, but confirmed its occurrence. According to official sources, “was a situation that is identified and properly monitored, which the cash is foreign.”
In cases that are of public knowledge, the clients involved have in common the fact that they ended accounts after resolution of BES, which resulted in the creation of the New Bank. At least some of the now amounts transferred are identical to those made at that time, which enhances the possibility of repeat transfers recorded in the computer system.
When they realized the increase of the balances of your accounts, some customers contacted the CGD and the answer obtained was that had been their own to order the transfer from an account in the New Bank, since the transfer originator and the beneficiary were the same person.
the communication of the New Bank that it was a mistake to have been April 1 (Friday) and the first contacts of CGD customers targeted was made on 4 April (Monday). In these contacts, CGD announced the existence of the error and asked the customers to make inquiries to agencies to formally authorize the return of the amounts to New Bank. The same procedure is to be done at least by two more institutions.
PUBLIC found that customers do not authorize the return of the money will have to, in writing, to justify the origin of the amounts received. This statement may be useful to the New Bank in the single resource that has to recover the wrongly transferred values, the courts.
Contacted by PUBLIC, the Bank of Portugal (BoP) not provided clarifications on the size of the registered situation New Bank currently held by the resolution fund. But he admitted, however, that being the normal procedures complied with in these cases.
The supervisor acknowledges that “in the event of the beneficiary customer refuse to return funds wrongly credited to your account, the payer [ new Bank] can not recover the funds through the banking system, and shall only apply to the courts. “
the bop begins by noting that” the European standard for SEPA transfers [the single payments area in euros], known for Rulebook (published by the European Payments Council) has defined a set of mechanisms that allow the payer’s bank to send to the transferee bank, within the prescribed period, return transfer requests you have made. “
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