I want to share a little story with you… and no doubt it may have happened to you at some point in the past.

Can you remember opening your first ever bank account? I can just about recall doing so, even though – sadly – it happened many decades ago.

Mine was a Natwest current account that I needed to open due to my wages switching over from good old hard cash in weekly brown envelopes (not handed over in car parks, late at night, I might add), to electronic transfer.

This account came complete with a nice brown and orange ATM card to boot – and boy, did I feel wealthy.

Even more so when my first cheque book arrived, and with it my plans on buying up New York well and truly began. Those grand plans came to a sudden halt however when I went overdrawn after the first month and incurred a £25 charge. Ouch!

Anyway, some months later while checking my statement I found £327 had been deposited into my account, but I had no idea why or where the cash had come from.

Had my boss sent me a bonus without me knowing? Hardly, knowing that bitter old git.

Had the bank held a secret raffle based on account numbers and I was the one chosen to win that month? Again I think not.

Most likely the money was deposited in error by some chubby-fingered bank clerk entering the wrong digits, or maybe they were supplied with the wrong account details.

But what to do with the cash? Should I have invested it in the latest craze of the day and bought 327 Rubik’s Cubes from the wholesalers and flogged them for £2 each, doubling my money before paying the bank back?

Or should I have planned a trip to the Grand National (this seriously did cross my mind)? Or maybe I should have simply popped into my local branch and inform them of their mistake?

What would you have done?

I bottled it and informed the bank the next day. And I’m glad I did as I quickly learned it’s a serious offence to knowingly keep or spend monies that you know is not meant for you.

On reflection, I think buying the Rubik’s Cubes and selling them on could have been a runner as if I was quick enough, as the bank told me, it could have been weeks before the audit team picked it up. Damn!

One woman who received over £100k in error transferred it to a high interest account and then waited for the bank to contact her. She then handed over the money but was allowed to keep the interest!

Great move! I doubt the interest on £327 would have helped me retire, though.

Or would you have followed the route of this man, who was accidentally paid £44,000 instead of £442 and blew it all on cocaine, gambling, vodka and a car?

Some would argue he spent it on essentials and wasted the rest on food and household bills… Only joking, of course.

New trials please…

As mentioned last week I’m really anxious to get more trials under our belts for Betting Doctor readers. Why? This game is about making money and as much of it as possible.

I have three services lined up for trial and it will be interesting to see how much we can accrue if and when all three are banging in the winners at the same time.

Likewise, I’m keen to see what happens when two are in drawdown and just one is performing – and whether the one can absorb losses from the other two.

If this can work we could have an excellent portfolio approach that can spread risk and smooth out the ups and downs that come with the single approach method to gambling.

All good fun, and let’s see what happens over this ten week trial of each of the three trials.

1) Banker Bets: Winning runs of 10-15 are commonplace with a few runs of 20 winners and with 11% growth rate per month it is claimed.

Service introduction here and 1st week’s results can be found results here.

2) Carl Nicholson’s Racing Diary: +£1354.30p profit to date based on £10 level stakes since the inception of the service towards the end of August 2015.

Service introduction here and 1st week’s results can be found here.

3). Each-Way Kings: The service has claimed average profits of £278.96 per month since inception on 13th June 2015

Service introduction here and 1st week’s results can be found here.