Cheque Validility

Just found an uncashed cheque from June 04, is it still valid to bank?

TIA Rob

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Hi Rob,

I think its 6 months...

Best to phone/email your bank and confirm

Lo Salt.

Reply to
Lo Salt

It's valid for 6 months from issue. So depending on the date, you may be lucky.

However - if you bank it, it's highly unlikely - if you can get it past the cashier - that anyone will check it and pick it up. The days of every single cheque being individually reviewed are long gone. If it's less than a few thousand, chances are you're okay.

If it were my cheque, I'd auto-deposit it (via one of the machines most banks have). What's the worst that could happen? You get knocked back and have to ask for it to be re-issued.

Reply to
Paul

Depends when abouts in June. Even if it is out of time, it may go through anyway.

Reply to
Jonathan Bryce

.......................................................................................... Depends on which date in June as cheques are normally valid for up to 6 months unless there is something writen on it to the contrary. Eric

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Reply to
Eric Jones

Thanks for everyones comments, the cheque is from 9th June, I lost it during moving house, it's 15 from the Royal Mail, I bank with an Internet bank where I post the cheques. I will just chance it.

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<news

I asked about this befoe and was told their is no lifetime for a cheque but some banks have their own rules.

From my experience Halifax apply their 6 month rule on cheques strictly. On the other hand Abbey don't have the same rule and will bank cheques two years later.

Reply to
rob.

In message , Paul writes

Even if the cashier tries to stop it just say 'you are merely the collecting banker - try and collect it please. Only the drawee can refuse to pay'.

Reply to
john boyle

In message , snipped-for-privacy@gener8or.co.uk writes

You should be OK. Be aware that the Internet bank is the 'collecting' bank and they cant refuse to collect it. Only the drawee can do that.

BUT, big companies like Royal Mail have on line statement reconciliation and its just possible they will spot it is out of date on the day of presentation and it may still bounce even though nobody at the drawee looks at it.

Reply to
john boyle

Royal Mail's *bankers* may spot it as out of date and temporarily refuse payment pending confirmation by the drawer (Royal Mail). But Royal Mail themselves could not lawfully refuse payment. Is that not so? You could sue on the cheque.

Not sure what the position is if Royal Mail has two hats and acts as both drawer and drawee. Is there a "Royal Mail Bank"?

Reply to
Ronald Raygun

There's the Post Office basic bank account for paying out benefits, but that doesn't really count.

Reply to
Jonathan Bryce

No., A cheque is payable on demand. The cheque could be returned with the answer 'out of date - please represent' but I have never heard of such an answer ever being used. A drawee cant hold the cheque whilst it contacts the drawer for validation, unless that was done during the working day of presentation for payment. If, in this case, the drawee used the drawer's own document communication & delivery service, that it offers throughout the country to us all, to contact the drawer and if the drawer used the same method to reply then the drawee would still be waiting for a reply about two weeks later. In any event, the cheque wont even get to the drawee these days and nobody will look at it at all.

Thats right. If the drawee paid the cheque the drawer couldnt sue them, well they could but they would lose.

No, but that would be a 'warrant' not a 'cheque'.

Reply to
john boyle

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