How pedantic are banks?

I've got a cheque here from an elderly lady dated Nov 13th 1940. Reckon the bank will accept it?

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Peter,
If the check is actually from 1940 it will be rejected as a "stale" check. The bank teller should have no difficulty recognizing the check as quite old. If the date on the check is just an error then it's hard to say whether the teller will notice the problem. If the teller does, he should reject the check and advise you to get a new check. I'd gamble on the teller not noticing the date.
Good luck, Dave M.

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Shouldn't the teller realise it's a mistake and just accept it? I mean if the date was 6 months ago, it could be an old cheque, and the person who wrote it should not be expecting it to be cashed, but clearly this cheque is not a 1940s cheque, so it's a mistake. We'll see....

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On 14/11/14 01:07, Uncle Peter wrote:

Given the circumstances described, an alert bank might take this as an indication of dementia and start scrutinising all the lady's transactions carefully.
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On 14/11/2014 08:41, David Woolley wrote:

Starting by rejecting this cheque, in case she didn't realise what she was doing when she wrote it.
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I would only agree if it was a particularly large cheque. Giving her more things to do in an already difficult life is just mean.
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Uncle Peter used his keyboard to write :

Be a man, rip up the cheque and send her the goods with a note explaining her mistake but you drank a bottle of milk-of-human-kindness and she owes you nothing.
One can only have hope...
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s
She already has the goods. If the bank don't cash the cheque I don't get the 11. I wouldn't bother going back to get another cheque off her for 11.
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Uncle Peter presented the following explanation :

Good, forget about it. I hope you don't lose sleep over it.
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f
I was just wondering how pedantic banks are.
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She does have dementia or something similar. She's not at all with it. That doesn't mean the bank should have any right to interfere, that's up to her relatives.
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On 14/11/14 14:54, Uncle Peter wrote:

Banks have a duty of care only to accept instructions from people who have mental capacity. They are the first line of defence against fraud by carers and dodgy tradesmen.
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Not every (old) person has a husband/wife or children or siblings and are pretty much close relative free.
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Unlikely.
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Now you are being even more silly than you usually are.
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Nope. Usually when someone is old, it's likely that all their relatives are younger than them. It's basic Maths.
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It might be likely but likely is not the same as this being true for everyone. Do you really not know any one without close relatives who can oversee their day-to-day financial dealings?
I know of a number of the old folk have lost their partners and are childless or have children who do not keep in touch or who live abroad include one I used to help with shopping until he died.
A friend of mine also used to buy shopping and pay the bills for a very elderly neighbour, until the day he found her dead on the floor when he went round to take her food order. Turned out she did have a son living somewhere in the midlands who turned up for the funeral but my friend had never heard of his existence before then.
I even have a work colleague in her 50s who is a widow and who's only close relatives are her elderly mother and a childless brother who has lived on another continent for the last 25 years. There are a couple of 2nd or 3rd cousins that she has never met and they might well have children but I doubt she's going to be giving them POA over her affairs anytime soon.
So, as I said, stop being silly.
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I guess you know some weird estranged families, and the people I know are more civilised, and look after their relatives.
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I guess you just can't take the silly out of some folk.
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On 14/11/2014 14:54, Uncle Peter wrote:

It will probably fail in clearing and if you are unlucky lock down her account completely depending on how convincing her signature is compared to the one that the bank holds on file.

They have a duty of care to her and as such will be cautious.
You will find then that at some point her degraded signature or mistakes made on cheques will trigger a failure and they will then bounce any and all transactions until you register an LPA with them.
Even then after registering the LPA some banks can be complete bastards and demand a letter from the GP *in addition* to the formal LPA.
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