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Bank lost my Cheque
Dibbo8506
Posts: 13 Forumite
Hi All.
I deposited a Euro cheque into my account and the building society in question had to send this to a clearing bank and said it would take 6-8 weeks to clear. I agreed and signed a contract to the charges and the time it would take.
5 weeks after i had deposited the cheque the bank wrote to me to tell me that the cheque had been lost by the royal mail. I was told to apply for a new cheque. I have asked for compensaion but i was told that the royal mail are dealing with it and when they get back to the bank i might get something. I was told i am not the only person effected, but i still have not had my replacment cheque as it was from the Irish inland revenue and there is a mountain of paper work to get this re issued. So 7 weeks after depositing my cheque i still have no funds. Can i take legal action?
I deposited a Euro cheque into my account and the building society in question had to send this to a clearing bank and said it would take 6-8 weeks to clear. I agreed and signed a contract to the charges and the time it would take.
5 weeks after i had deposited the cheque the bank wrote to me to tell me that the cheque had been lost by the royal mail. I was told to apply for a new cheque. I have asked for compensaion but i was told that the royal mail are dealing with it and when they get back to the bank i might get something. I was told i am not the only person effected, but i still have not had my replacment cheque as it was from the Irish inland revenue and there is a mountain of paper work to get this re issued. So 7 weeks after depositing my cheque i still have no funds. Can i take legal action?
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Comments
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Can i take legal action?
I'm not sure you can take the Royal Mail to court over lost mail.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Really wanted to know if i can take action against the bank. Bank are dealing with Royal mail but i can't as i'm the banks customer not the Royal mail0
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Really wanted to know if i can take action against the bank. Bank are dealing with Royal mail but i can't as i'm the banks customer not the Royal mail
I think you will also find that that the bank does cover themselves in that they declare in their T&C that they are not responsible for delays and losses caused by post and third parties. There certainly used to be such a clause many many years ago when I used to work on the foreign desk at a bank.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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