Please Help or advice

Sounds strange - afaik every machine that takes deposits prints out a receipt afterwards...

Nope, afraid not - might it be worth asking them to review their CCTV footage to show you making the deposit at the time, and take it from there ?

Has anyone had experience of this or could advise me as I know I will not sleep

Many Thanks

Emoloo

If the bank tells you that they did not get the cheque, ask your tenant to cancel the cheque and issue you with another? Then pay that in manually.

Rob Graham

Has anyone had experience of this or could advise me as I know I will not sleep

Many Thanks

Emoloo

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You're worrying too soon. Chqs normally take 3 wkng days to show on your a/c. And if mislaid / lost are readily replaced - assuming you're on good terms with the payer.

Post back here after you've checked with your bank again tomorrow.

I get the impression the OP is the tenant, not the landlord...

Yes, and that three working days probably doesn't include the day you paid it in or the day you check your balance.

If I were you, I would wait at least a week before trying to get the cheque cancelled and another one sent. Not much help if you need to pay your rent before then of course.

Hi all, Thanks for your input. The cheque was deposited at 8pm (the bank was closed). I rang the bank this morning and they have no-record of the deposit searched high and low. I have contacted the person who paid me the cheque and they said they would cancel the cheque asap. Two working days have passed, fingers crossed it hasn't fell into the wrong hands and been cashed at one of them cheques cash now places. My rent goes out on the 28th I have no funds I hope the bank and my landlord will understand.

Thanks Emoloo

In that case, you need to allow an extra day.

I doubt they have a menas of finding it until it hits your account.

That'll probably cost. Better might be get a 2nd chq, and repay the payer if original turns up.

Suggest you agree this with the bank first, otherwise you'll be hit with unauthorised o/draft fees & interest - or maybe rent payment will be stopped.

Generally a good idea for the future to get an authorised overdraft on current account to help minimise the effects of c*ck ups such as this. That's of course, if you have a bank that charges reasonable fees for dipping into it.

I believe that as an anti fraud measure, pictures of users are taken by the ATM. You can serve a 'subject data access request' (max fee £10) to get a picture as proof.

Daytona

It shouldn't cost the drawer anything. Banks don't generally charge a fee for stopping a cheque unless it is for a reason other than presumed theft or loss, do they?

Or do you mean the payee would be charged a bounce fee when the cheque which was presumed lost is in fact not lost and is working its way normally through the system, and is then not paid because it was stopped?

Not all ATM have cameras and even those who have not always have film! There may be a video tape (from a CCTV) but the only people who will get this are the bank and the police. They will not give you a copy photo.

Hello I did post a reply but it has vanished??, if it does appear appoligies for repeating myself.

I have used the deposit machine out of hours before this time i did not recieve a recipt because the machine was out of paper, unfortunatly I was only aware of this after I had deposited the cheque.

I will not know until tommorow whether the cheQue has been cashed fraudulently. Worst case senario the cheque has fallen into the wrong hands and been cashed do I go to the police, the payee who paid me the cheque could he trace where the money has gone? do I have a complaint with the bank? to try and get the money back!

Thanks Emoloo

A tenner (HSBC) is typical. Presumed theft or loss would, I assume, account for most "stops" (technically, isn't anything else almost illegal?) and I know of nothing which suggests banks waive the charge for these.

No

You'll be lucky - that's a Saturday....

Relax. The effective pay-in date was Wed, right? So on Monday it should appear in you account, but with some banks that could be Tues.

If chq has got into wrong account, that is 99% likely to be bank error. And in any event it's then for the payer to get the bank to trace where it's gone. All you can do is query why it's not in your account - hard without a receipt. In any case, remember that unless you used the kind of m/c which gives you mini photo-copy of the chq and pay-in slip, all the receipt would show is what you keyed in and when. And that data is not really used by the bank. Eg where you need a card to open machine slot, you can then pay-in to another account and the banks do actually cope with this OK! At the end of the day, the machine is little more than a secure box with a pretty display....

What I'm really curious about is that you must, surely, have paid in cheques before (machine or counter), and must know how long they take to hit your account?

Please keep us posted...

Hi Martin, Yes I often make cheque deposits and once I do this I get a mini statement too (it's a habbit), to manage my account for the following week or two, and yes the deposit is allways there instantly from when I have paid it in. As there was no paper I didnt get one! I went to the ATM two days after and it didnt show, this is what alerted me the cheque amount was no record.

The bank also has no record of the deposit and the person who paid me the cheque has told me he will cancel it ASAP and is unclear until tommorow whether it has fallen in the wrong hands and been cashed, FINGERS CROSSED.

Thanks all for your input Emoloo

I'd have thought so, yes.

"Illegal" is a bit strong, but yes, essentially it shouldn't be done.

I do. See near the bottom of

Charges for Additional Services Stopping a cheque (except for lost/stolen cheques) £10

In message , emoloo writes

If it cashed there then neither you or the drawer will lose out. The cheque cashing business is the one who will lose out, eventually.

In message , Martin writes

Not necessarily. RBS dont charge for stopping lost or stolen cheques.

But still stop first cheque.

In message , emoloo writes

yes.

His bank will be able to, by the way he is called 'the drawer'.

Depends on what happened, if they have 'lsot it' and you lose out in some way then HYES.

If the cheque isnt 'stopped' and was crossed 'a/c payee only' then if it is nicked and somebody has cashed it then the bank that collected the cheque and remitted to the drawee for payment is liable because the crossing prevents them from attaining best title to the cheque. So they will either have to pay out to you or the drawer. This wont happen automatically, you will have to complain to the collecting bank and possibly threaten to sue them for conversion. The collecting bank can then sue the person who paid it in. If it is a cheque cashing agency then they will have already indemnified the bank against such claims and the bank will likely just be able to debit their account

In message , Martin writes

No. You might stop it because the goods paid for with the cheque were faulty.