Cheque Fraud - help needed!

Poker_Pro

I have been travelling for over a year and I left my cheque book at home. From 15th July until I cancelled my cheque book yesterday £2,300 has left my current account in the form of 4 cheques. I havn't signed any cheques for several months.

I'm not sure what to do now, I can't find my cheque book (left at my parents house when I was away) and my bank apparently can't tell me who the cheques were made payable to.

Thanks in advance

Mike

doelani

Poker_Pro wrote: »

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my bank apparently can't tell me who the cheques were made payable to.


Mike

ask your bank for copies of the cheques, you will probally have to pay a charge to get them but wll be worth it for the amount of money involved.

melancholly

for large values, anyone accepting the cheque should write the number of the cheque guarentee card on the back, which should be presented at the time of payment. this is to protect the recipient, but if you can get a copy of the cheques, those will be missing if you had your card with you abroad - it may help your arguement.

soolin

I'm not sure you are right melancholly as a bank guarantee card only covers small amounts so larger amounts are usually done on trust. For example if you use a cheque to buy a car (and some people still do) the seller won't put the card number on the back he'll just pay it through his account and then release the car when cheque clears.

Likewise buying anything via the post could mean a big cheque and goods sent when cheque clears. If the person using your cheque book bought on ebay for instance there will be nothing you can do as even tracing the account number where the cheques cleared through won't get your their personal details, you'd need to get the police involved and even then the seller with the dodgy cheque is only an innocent victim like you so won't have to pay the money back.

Your best hope here is to show that the signature on the cheque does not match the sig the bank holds for you as they you can put some pressur eon the bank to reimburse you.

Poker_Pro

Thanks for the feedback.

I recieved the copies today and they are made payable to my brother... he isn't the type of person who would do this, or be dumb enough to make it so obvious. Is it possible someone else used his name to get my money? I don't want to accuse him and be wrong....

The signiture is good, but def no mine.

~Beanie~

Poker_Pro wrote: »

Thanks for the feedback.

I recieved the copies today and they are made payable to my brother... he isn't the type of person who would do this, or be dumb enough to make it so obvious. Is it possible someone else used his name to get my money? I don't want to accuse him and be wrong....

The signiture is good, but def no mine.

I hate to say it but the evidence is clear! The cheque book was left at your parents house and the cheques are made payable to your brother!

If the cheques are payable to him, then no-one else could have got the money, they cheques would have had to be paid into an account in his name. I think you need to speak to your brother pronto.

Have you informed the Bank? They will most likely want you to report the crime to the Police before they will refund you. Are you prepared to shop your brother?

melancholly

i think you need a good talk with your brother and your parents.... depending on how your brother will react, can you bring this up with your parents first, just to see if that have any idea of financial trouble he might be in? i'm with the post above - i can't see any sensible explanation of how someone else could get access to the cheque book and make payments to your brother.....