Re: Deposting old cheque

Six months is normal but some cheques have a three month life others twelve months.

If it's not ok, the bank will return it to you. If this happens, hold on to it and ask the issuer to cancel the old one and issue a new one. Don't return a declined cheque to the issuer unless you trust them or they give you something (a letter or preferably another cheque) as evidence of the payment.

Most organisations have been in business long enough to know that s**t happens and will help to sort it out.

Yes its 6 months. Coincidently I found a cheque dated 28th Feb last week. I banked it and its cleared with no problems.

Nick

So is it safe to assume that a normal cheque over 6 months old cannot be presented? If the bank does pay it, can the drawer demand a refund?

I've written a couple of cheques which haven't yet been presented (getting towards 6 months now). I don't know if they've been lost in the post or the payees just haven't bothered paying them in. I don't mind writing new cheques if the old ones are no longer valid, but I don't really want to pay a fee to cancel them or run the risk of both new and old cheques being paid.

I don't see how you could demand a refund because you do in fact owe the money. In theory maybe you could claim damages for breach of contract if they say that expired cheques won't be paid, but a) the T&C probably just say that they "may" not be paid, and b) you'd be pushed to show any damage!

Because I'm happy to write the payees new cheques if they won't be able to pay the old ones in (or they've been lost). I don't want both new and old cheques being paid, and I don't want to pay a fee to stop the old cheques.

In message , Andy Pandy writes

RBS dont charge for stopping a 'lost' cheque for some reason.

If your bank DID charge you, then as its the payees fault why dont you deduct the bank fee from the amount?

Out of dated Dividend warrants are replaced by the registrars usually on receipt of the out of date warrant, perhaps you could ask for the original back?

"john boyle" wrote

What if the cheque was lost in the mail (or so the payee says!) - so that it (may be) Royal Mail's fault??

In message , Tim writes

I suppose the responsibility then rests (as the RM will deny any liability) with the person who posted the cheque, which is the drawer which is you. Looks like you'll need to pay the bank charge.

I think you'll find that the Royal Mail is responsible for nothing unless you use registered post, and even then not very much!

The Royal Mail are totally incompetent. I pay my bills online and I avoid using the post.

Any business with Allan Leighton involved will never be successful.

Peter Saxton from London snipped-for-privacy@petersaxton.co.uk