Good morning STW.
I think I know the answer to this, but until I've had it confirmed by the financial institution in question, I'm going to continue to fantasise about how I'm going to spend it.
This isn't, as far as I know, the usual 'my wealthy Nigerian Uncle is wanting you to 'look after' some of his dosh for a bit and in return he'll bung you a few quid' type affair. This one could be a little more sinister.
A few weeks ago, I received a letter from a supermarket bank I have never had any previous dealings with. I ignored it as junk mail and it remained on my 'to be shredded' pile in the kitchen. A couple of days later, another arrived; again it was ignored.
Last week a third letter was received. MrsG was at home going through some paperwork, she called me up and asked if I knew what this stuff was and could she dispose of it. I said to shred it - nowt to do with me.
She opened the letters and immediately called me back, a little p!ssed and a little perplexed. The first letter was a 'thank you for opening an internet savings account', the second was the account details and the third was a direct debit mandate wanting signing. I didn't think there were any trust issues in our relationship (married 21 years an none so-far) but MrsG was quite suspiscious as to why I would open an account without her knowledgs - all of our finances are shared.
Yesterday a fourth letter arrived. MrsG called me up and I told her to open it up immediately. It said (I have it in front of me know so will quote directly):
Dear MrG
Sort Code: NN-NN-NN, Account Number: NNNNNNNN.
Thank you. We've received your first payment.
Amount of first Payment: £10,000.00
Yours sincerely
Blah, blah, blah.
WTF? 
I've been in contact with the bank and they have confirmed that this is a legitimate account. Whoever set this up has my full name, address and date of birth. They also know the first name of my Son as they have used this as part of the on-line 'code name'. They were unable to tell me over the phone where the deposit came from but are currently investigating.
I have no idea who would do this, I thought it might have been my Dad, but he has no knowledge of it.
So. In the mean time, do I need a new bike/telly/car/holiday or should I blow the lot on hookers?
Your opinions are welcomed.
( although surely ALL your financial dealings are now very vulnerable if some dodgy scamp knows everything about you)
