Bounced cheque

Felicity101

What a wonderful present I got on my birthday - a 78 pound charge from NatWest for a bounced cheque! Yes, it's my fault but 78 pounds?????

natweststaffmember

Felicity101 wrote: »

What a wonderful present I got on my birthday - a 78 pound charge from NatWest for a bounced cheque! Yes, it's my fault but 78 pounds?????

NatWest charge £38 for bouncing a cheque, are you sure it was 1 cheque?

Felicity101

Yes - it was one cheque but when I went in and queried it, they said they'd presented it twice. Should it have been 76 pounds then?

natweststaffmember

Felicity101 wrote: »

Yes - it was one cheque but when I went in and queried it, they said they'd presented it twice. Should it have been 76 pounds then?

That makes sense now(I was trying to work out the £78 but I suspected it might have been one cheque bounced twice.

withabix

Yes, the person/company who you paid the cheque to can present it as many times as they like, until it clears.

Same cheque bounced twice, two bank charges.

Who writes cheques nowadays anyway?

Felicity101

Ah, I see - the payee paid it in twice. Not the bank's fault then.

I rarely use cheques - some people ask for them though - landlords usually.

natweststaffmember

Felicity101 wrote: »

Ah, I see - the payee paid it in twice. Not the bank's fault then.

I rarely use cheques - some people ask for them though - landlords usually.

With a cheque, if it is presented for payment, the bank will charge if it is returned unpaid. First time, the response maybe "Refer to Payee Please Represent" what that means is that it is sent back to the landlords' bank and the cheque is represented again.
If this is the first time you have been charged, approach your bank and see if they would be willing to refund at least one charge as a gesture of goodwill.

n6skp

I could do with some advice if possible I have a small company and got a cheque as payment from a Ltd company, the customer requested further services totalling over £3k, i told them once i recieved the cheques we would then allow further work to be done, this is what we did further work totalling over £3k....... the cheques bounced ....ouch
Ive now been told they are going under but i believe that the directors who wrote the cheques out and knew they had no money in there account, do i have a case against them for writting out cheques knowing there were no money in there account just to gain further goods / services please help im desperate thanks

natweststaffmember

n6skp wrote: »

I could do with some advice if possible I have a small company and got a cheque as payment from a Ltd company, the customer requested further services totalling over £3k, i told them once i recieved the cheques we would then allow further work to be done, this is what we did further work totalling over £3k....... the cheques bounced ....ouch
Ive now been told they are going under but i believe that the directors who wrote the cheques out and knew they had no money in there account, do i have a case against them for writting out cheques knowing there were no money in there account just to gain further goods / services please help im desperate thanks

If they have gone under then you are a creditor. If they haven't gone under, have you contacted them so that a duplicate cheque can be sent to you?

n6skp

thanks for your response..........
I know that Im clased as a creditor but i feel strongly on how ive been treated they sent me cheques just to get further goods /services knowing there was not funds in there account they should be struck off from being directors thats my grip :mad:

n6skp

natweststaffmember

n6skp wrote: »

thanks for your response..........
I know that Im clased as a creditor but i feel strongly on how ive been treated they sent me cheques just to get further goods /services knowing there was not funds in there account they should be struck off from being directors thats my grip :mad:

n6skp

Have they actually gone down yet? What did you do when you were aware of the bounced cheques? Did you contact the compnay?