Banks win either way. I once deposited 10,000 in a few cheques into my account. it went in alright and I had the deposit slips and the stamp inmy bank book.
A week or two later I get a letter saying the bank had lost my cheques so they wouldnt give me the money, and that it was up to me to contact the people who had written the cheques and ask for another.
The point is the bank had already taken delivery of and signed for my cheques, then they lost them, but decided it was my problem, that i wouldnt get paid!
If i buy a someting, and sign that i have received it, but then I lose it, I cant go back to the shop and get another. If withdraw money from the bank and lose it, they wont replace it, but If they lose my money. i have to replace it...
SO if they give you money by mistake, you have to give it back, but if they lose your money, they arent responsible! also meant the customers had to write me new cheques an cancelt eh original which cost them money (which I felt i should re-imburse).
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