anyone understand SWIFT payment reciepts?

[PPC Icon]

I am having a nightmare with a company that has attempted to send me money from overseas to my UK account.
I provided them all the correct details but the money never arrived in my account. For over a month now we have been going around in circles, they said they have confirmation of payment and have provided these details.

1:F01MEESGGSPAXXX.SN...ISN.}{2:I103BKTRUS33XXXXN}{ 3:{108:1538257230.00}}{4:
:20:FT1004120296
:23B:CRED
:32A:100210USD5000,00
:33B:USD5000,00
:50K:/10652913
STENHAM TRUSTEES LTD
LA CORVEE HOUSE, LA CORVEE
ALDERNEY, GY9 3TQ
:53B:/04422841
:56A:MYSWIFTCODE
:57D://SCMYSORTCODE
MYBANKNAME
:59:/106423916
MY BUSINESS NAME
:70:/RFB/7215
:71A:OUR

(I switched out my personal details with the bits in red)

This is all gibberrish to me. Importantly, my account NUMBER is not anywhere in there. I'm assuming that means they screwed up and put the wrong account number in. Some stranger probably has my money now!

Can anyone tell me where in all that is the account number of the recipient?

[3Six]

SWIFT is a bank identification code. If they don't have your account number in there then your bank has no way of routing the money to you!

[ClaytonL]

Did you take those details to the bank? You think they'd be glad to help you interpret what happened.

[Clinton]

In this type of situation where they don't have full payee details it's been my experience that the bank just refunds the money to the originating bank after a few weeks. Sometimes they need to be chased to do that.

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Miracle of miracles, my angry email to them seems to have got their attention and they have finally noticed they paid 5 grand to a complete stranger. Someone using my same bank here in the UK must be thinking xmas came early!

[signic]

The originating bank is responsible, not your bank. A money trail always has a paper trail. The originating bank should inform what happened. Now that they gave you this info, it seems the money was sent but it didn't came to the right account. So then you should contact your own bank as the money is probably with them. Banks sometimes use correspondent bank account so keep in mind the money can be stuck with a middleman. For example if the originating bank doesn't usually handle pounds, it will need to make use of services of another bank that does handle pounds, which can increase errors in wiring.

[3Six]

Good post, signic. PPC Icon, glad to see stuff happening, but if there wasn't an account number it probably didn't go into anyone's account. Hope it works out for you.

[PPC Icon]

Thanks all - now I have a new question. How long do these sorts of payments `normally` take. The payment is from abroad and coming to my UK account. I know they initiated payment last week. Anyone know how long these overseas payments using SWIFT take on average?