How long is a UK Cheque 'valid'?

Jan 02, 2005 30 Replies

In message , Ronald Raygun writes

But we havent. If it HAD been guaranteed then the Bank MUST debit the account with a cheque that is greater than 6 months old no matter what the drawer had done in the meantime, i.e. issued a replacement, paid in cash instead etc.,. If it is NOT guaranteed ( and the OP didnt make this clear at the time I asked) then the drawee would have been within its rights to return the cheque but it doesnt have to.

It doesnt, and I have never claimed that it did.

In message , Ronald Raygun writes

P.s. I was not disputing that I introduced it, just denying that I introduced it 'on the sly'.

You old dog. Now you *are* being sly.

We've clearly been at cross purposes about what exactly it makes no difference to.

I'm saying, and I think you agree, that no matter how old the cheque is, and no matter whether it was guaranteed or not, and no matter what it was for (gift or debt) the drawer cannot lawfully avoid (bankruptcy excepted) the payee getting the money when all is said and done. Any "out of date" nonsense would only be a delaying tactic, as would countermanding it or forcing an "insufficient funds" situation.

Might not the Limitation Act 1980 apply?

Thank you for all the comments.

As you appreciate, I have no issues with the monies going to the intended parties. The issue is the principle, how closely should I be monitoring the very small number of cheques I hand out these days. I guess the answer is very closely.

Based on the feedback, I will still try to get a response from my bank so that I might have a formal 'rule' to refer to.

Thank you again, I appreciate all feedback.

In message , Ronald Raygun writes

I think you are right.

there is still the 6 year rule of course, and there is always the possibility of a counter claim but other wise YES!

YIPPEE!!!!!!!!!!!

Yes, you're only saying that because Doug mentioned the Limitation Act.

Is 2005 going to be boring, with too much agreement?

Eh? Its there now, but it wasnt when I wrote it.

NO!

My bank has responded to my E-Mail as follows:

"Thank you for your email. A cheque is usually valid for 6 months from the issue date, unless an alternative timescale is printed on the cheque."

I didn't tell them that I had a problem with two cheques so they've given me the lead to lodge a 'complaint'.

Update - the bank have processed one of the two cheques but they spotted the second and stopped it.

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