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How long is a cheque valid for?
skintandscared_2
Posts: 2,781 Forumite
Does anyone know if a cheque is only valid for 6 months from the date it's written? Thanks.
DMP Mutual Support Thread member 244
Quit smoking 13/05/2013
Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go
Quit smoking 13/05/2013
Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go
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That is the rule most banks apply, though there is no legal limit except the statute of limitations0
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I paid one in the other day that was about 7 months old, no query from the bank and it was paid.Piglet
Decluttering - 127/366
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They don't always look too closely at the date. Had it been pointed out to them they might have refused it.0
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I work in finance and it's usually six months...0
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I've read that usually it's six months but at the bank's discretion it can be longer, and that a cheque is actual "live" for six years (as in proof of debt). Guess it might be worth phoning the bank and finding out. Thanks.DMP Mutual Support Thread member 244
Quit smoking 13/05/2013
Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go0 -
We've been told at work by the bank that the 6 months rule no longer applies - they might query it after 6 months to ensure it hasn't been reissued but it is still valid. Caused us a nightmare as we used to deem all cheques over 6 months old invalid and reissue them - now we have to manually stop them all and then reissue them!Adventure before Dementia!0
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WestonDave wrote: »We've been told at work by the bank that the 6 months rule no longer applies - they might query it after 6 months to ensure it hasn't been reissued but it is still valid. Caused us a nightmare as we used to deem all cheques over 6 months old invalid and reissue them - now we have to manually stop them all and then reissue them!
That's useful to know, thanks WestonDave. My boss has a rent cheque for quite a large sum which was refused and stamped "Refer to Drawer". He wants to try and re-present it, but it's dated 1st June.DMP Mutual Support Thread member 244
Quit smoking 13/05/2013
Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go0 -
I recently had a cheque returned by HSBC as it was alledgedly 'out of date' and I was told to return it to the issuer and have a new one drawn instead. The cheque was approx 8 months old when I presented it. Luckily I was able to with very little fuss.
I assume I was just unlucky that someone noticed the date.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.0 -
The tenant has done a runner owing thousands in rent. I doubt he'll be willing to supply a new cheque...DMP Mutual Support Thread member 244
Quit smoking 13/05/2013
Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go0 -
skintandscared wrote: »The tenant has done a runner owing thousands in rent. I doubt he'll be willing to supply a new cheque...
In that case I would suspect that even if youcould force the bank to accept the cheque it will still bounce anyway when it reaches the recipient account.
Sorry I can't suggest anything helpful here.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.0
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