You would have used money that belongs to someone else for a downpayment on a house?? Sorry, but I don't think I could live in a house knowing that. Hopefully you aren't teaching this (non)value to a younger generation.

Better yet, what would you have done when they figured out the mistake and came calling for their money?

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Better yet, what would you have done when they figured out the mistake and came calling for their money?

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Hit them up for an equity loan, of course!

I had two similar situations happen to me (both in my favor). After 6 yrs on a 30 year loan I went to refinance, thinking I knew the balance on the loan. To my surprise it was $5k less. A printout of the history showed a $5,000 payment on 12/31 of year 2. I told them that I'd never made any extra payments. They didn't seem to care.

Last year I purchased some furniture and put it on my MC. My statement never showed the charge. I went back to the furniture store and they claimed I didn't owe any monies and never had a dispute with MC. To date, I have not had either party contact me about the dispute.

You were honest in both cases, sometimes that's all you can do. I had a debit card transaction that didn't hit my account last year, after 3 months I talked to the organization. She told me that she wasn't aware of a problem but the debit hit my account within 2 weeks. I felt better just having said something because that at least gave them the knowledge to start looking.