then id suggest you look up exploitation in the dictionary!
what they have benefited from the system - look at it this way, if your bank put £200 in your account, have you exploited the bank? - No
have you benefited? yes
is it unfair to all the other bank customers? (possibly yes)
(by the way, a bank would probably have it back of you!)
edit - by the way, getting profit from an error and willingly keeping it is called fraud. but since it was offered by FD , its actually called a free gift![]()
Its actually illegal to keep the money, the money is not yours. The bank may (but they don't have to be) nice and let you pay the money back in installments if you haven't got it all. But in the eyes of the law. They money isn't yours so if you use it knowing that its not yours its classed a stolen.