[ccmids]

any one had this happen to them , its only £40 from a big house fancy cars you name it they got it.
I just put the returned cheque through there letter box with the letter off the bank .
hope they pay ,cant aford to lose £40 .

[Jack Wallace]

Have had this a few times.
Its ALWAYS the big houses with the fancy cars.

[ccmids]

wonder what excuse they will say

[dave0123]

You should of kept the cheque as proof of a bounced cheque if anything goes further.

[ccmids]

wont that be recorded at the bank

[John Walker]

I might be wrong but I believe it is a serious offence to issue a cheque if you don't have the funds to cover it.    If I'm right it might be angle you can use to get your money.

On the other hand it might be quite a genuine mistake - they might be in the process of changing bank etc.

[leapstallbuildings]

I might be wrong but I believe it is a serious offence to issue a cheque if you don't have the funds to cover it.    If I'm right it might be angle you can use to get your money.

On the other hand it might be quite a genuine mistake - they might be in the process of changing bank etc.

I think it's only an offence if it's done intentionally.  Proving that would be virtually impossible.

[Ian_Giles]

A shame you returned the cheque, you can re-submit it up to 3 times, and if it bounces each time the guy will get charged by his bank for doing so...so even if you can't get your money out of him, you can at least cost him about £15.00 every time it bounces¬!!


Ian

[ccmids]

why didnt you say that in the first place , the bloke is a bit of a numpty, i would have done that

so realy its cost him £55  instead of £40 just by bounceing the cheque

[Ian_Giles]

Good isn't it?

That was a piece of info the late, lamented Tosh gave me...

Next time you wil be prepared!! 

Ian

[ccmids]

cheers ian you are  very helpfull  , if this happens next time i.ll know what to do.
i hope it dont though

[Sure Cleaning]

If you have a business account..you may find you will also be charged for a bounced cheque!!

Our previous bank used to charge us £4 for banking a cheque that bounced.

We currently have FREE banking with A&L .... they charge £7.50 for a bounced cheque.

So re-presenting a cheque may cost the customer but may also cost you!!

We always return bounced cheques to customer with letter and charge the bank charge on top. Only had 4 in five years so not too bad.

Steve G

[p1w1]

Tsb charge a fiver now i had 1 bounce just before xmas

paul

[ccmids]

are you trying to say  i could get  charged for the cheque bonce, 

[p1w1]

are you trying to say  i could get  charged for the cheque bonce, 

don't know who you bank with but if you have a tsb business account then you will be charged a fiver most banks seem to be the same so yeah you probably will.

paul

[Sure Cleaning]

YES... If you have a business account more than likely....personal account maybe not.

Check with your bank!

Not very fair really     But banks have got to earn money some way

Steve G

[ccmids]

if that is the case im going to give him the bill for it , i  did not see it on the letter they sent with the cheque , but he has that now anyway with his rubber cheque .
 ill phone the bank in the morning.

[p1w1]

just pass on the charge and add a bit on. I was charged a fiver and charged the custy a tenner. Us window cleaners have to make money some how  

paul

[Ian_Giles]

My own accounts are with the Halifax and lloydstsb, both personal accounts and on the odd occasion I've had a rubber cheque I've not been charged.

Can't comment about other banks of course, although when I had a business account with Lloyds over 10 years ago (hated being ripped off with charges so cancelled it and have worked off my personal account ever since) I did get charged if I presented a duff cheque...

Quite wrong off course, charges should be met by whoever writes the cheque, not the recipient.

Ian

[p1w1]

My own accounts are with the Halifax and lloydstsb, both personal accounts and on the odd occasion I've had a rubber cheque I've not been charged.

Can't comment about other banks of course, although when I had a business account with Lloyds over 10 years ago (hated being ripped off with charges so cancelled it and have worked off my personal account ever since) I did get charged if I presented a duff cheque...

Quite wrong off course, charges should be met by whoever writes the cheque, not the recipient.

Ian

How did you go about going from a business to a personal account regarding cheques Ian, did you just change who they were made payable to. If so was it a fairly easy process.

thanks
paul