Writing Cheques - Insufficient funds

From past experience I can say that they'll probably revoke his switch/cheque guarantee card and issue him with just a standard ATM card, such as a Solo card.

Unless the bank is at risk of never getting back the money, the police are unlikely to be called, and the chequebook is unlikely to be reclaimed. But the bank may add horrendous fees to the account and refuse to renew the chard, and block the supply for further chequebooks.

If the bank suspects genuine fraud and is at risk of loss then the police may be called. In either case, the account holder will doubtless be invited to the bank for a discussion.

I know of a case where a woman wrote a series of 50 card-guaranteed cheques totalling a 900 single payment on an account that was already about 10-20 overdrawn (unauthorised). This little spending spree also consumed all cheques left in the cheque book - so the prospect of more such cheques being drawn did not arise.

1. The bank honoured the cheques.
2. The bank wrote "asking" to close the account
3. The bank wrote cancelling and demanding return of the card
4. The bank added charges totalling 600 on top (Thus the woman faced a 1,500+ bill)

Fortunately for her, she had a husband who paid up (it was a joint account she'd used!). Otherwise she would rapidly have been facing debt collectors and possible CCJ. On a limited matter such as this, I doubt the bank would have involved the police. They aren't interested in prosecutions - banks have one interest only here: getting their money back!

She was also one of these people who couldn't handle money!

In article , Richard White writes

Other than write 18 cheques

Thanks for your responses. One thing i failed to mention in my original post was that the person in question gets their salary paid directly into the bank account & this is regular as clockwork.

Looking through your replies so far i assume the bank will suspend future chequebooks & invite the person into the bank to exchange the cheque guarantee card for a standard solo type card. I would assume that the account won't be suspended as the amount of salary always brings the account into credit on payday.

regards

David

In that case, wouldn't it make more sense to agree a more suitable overdraft limit?

Except for when the bank have been levying huge charges.

I believe charges should be *in proportion* to the misdemeanour.

Charging someone 30 quid for being twenty pence overdrawn is a bit off ..... (which is not the case here, but has happened.)