Please phone 0800 240 000, then press * to talk to a Customer Services Representative who can help you with this.
For any other dishonour reasons you should contact the drawer of the cheque in the first instance.
While running errands this afternoon, I stopped by the bank to deposit a check. “It had been so long that I thought they must have lost it.
All of the tellers were occupied with difficult clients. She tried to help the woman figure out where the problem was. I’ve already used that money for something else.” The teller didn’t say anything. In my younger days, I had similar experiences (though never with checks that were just a few weeks old). Or should I keep it in my account in case the check actually goes through?
The complainant had alleged that she had booked a row house in the developer's project and later cancelled the deal.
On the cancellation of the allotment, the buyer was liable for a refund.
It is a criminal offence to hand over a cheque knowing it will bounce or with the intention of cancelling it.
If the person writing the cheque doesn’t have enough money, or is committing fraud, the cheque might not be paid and will ‘bounce’. If you need to know quickly whether a cheque will bounce you can ask for ‘special presentation’.
However, the developer stopped payment and refused to honour the other cheques.In other words: the bank isn’t required to pay a check more than six months old. When I became impatient and left, the manager was helping her.It sounded as if they were going to waive the overdraft fee, but there was nothing they could do about the fact that the woman was still thirty or forty dollars short in her account.According to the United States Uniform Commerical Code, a bank is not obliged to pay a check more than six months old.Here’s the full text of the guideline: A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer’s account for a payment made thereafter in good faith. If you have a stale check outstanding, contact your bank to determine their policy. I’m not sure what happened with the woman at my bank today.When contacted by DNA, the developer was unavailable for comment.Banker’s drafts and cheques are deposited in much the same way, but are issued differently. Cheques do not have an expiration date, but will often be rejected if dated more than six months earlier.(I’m old-fashioned and go inside to make deposits for my business finances.) While I waited, I eavesdropped on the nearest conversation. Together they went through the woman’s checkbook register and compared it to the bank’s computer. “Can they really take that long to deposit a check? I’d write a check, and it would remain un-deposited for several months. Because I toed the line so close to zero, the answer was important.A woman was frustrated because she’d just opened a checking account a few weeks ago, and now it was overdrawn. Finally they discovered the culprit: a check the woman had written on June 21st. In my case, every check was eventually deposited and funds withdrawn from my account.A banker’s draft is prepaid and issued by the bank. This is at the bank or building society’s discretion.If you think you made a mistake, for example you wrote the wrong name on your cheque, or you lost it, you can ask your bank to cancel it. Remember to keep the cheque stub that contains the cheque details and reference.