Can They Charge Me For That????

battybird_2

HELP my sister has a current account with the halifax and they want too charge her £7.50 to cancel a cheque worth £11.00 that has gone missing in the post is that legal i know it is wrong but what can we do????????
please help us

maforduk

Yes, the can charge for cancelling the Cheque.
If the cheque is bounced, you also get charged for that too.
At the end of the day, it's better to pay £7.50 than someone cash the £11 cheque!

battybird_2

thanks i just wish you had said no they cant

Mark7799

Has she explained the circumstances of how the cheque was lost? SOMETIMES, Banks will take a lenient view on cheques missing in the post.

jules-2005

I have cancelled several cheques over the years with the halifax as they have gone missing in the post and I have never been charged.

Slayerx

Most banks won't charge if its lost or stolen as its in the banks best intrests to do so.

bootman

I have not heard of a bank chrging for lost in the post before! LLoyds don't neither do Woolwich

Caped_Avenger

Slayerx wrote:

Most banks won't charge if its lost or stolen as its in the banks best intrests to do so.

I'd agree 100% with that. Advise your sister to suggest to them that if she hypothetically lost a cheque, didn't advise the bank, and it was fraudulently presented, how much would it cost the bank's fraud department to investigate & retrieve the funds? A lot more than £7.50, i'll bet. They wouldn't even bother for this £11 cheque, they'd write it off as a loss.

Would they deal with it differently if it was a cheque for £1100? I bet they would.

Well, that's my guess, anyways.

kingarhu

I think the Nationwide only charge if the cheque is actually presented, so at least you don't pay anything if the cheque just ends up being destroyed.