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.