Cancelling Cheques

Shamish

Is there anyway i could possible cancel a cheque rather than having to pay the bank to do it?

An excuse etc. i could use or another way around it?

We've placed a mail order and the order still has'nt came off a month later we're wanting to cancel it now so that we can use the money as i think there taking the mick lol.

Thanks

Shamish

RoCas

Hi Shamish,

I believe that if you say a cheque has been lost in the post, it can be cancelled without charge. I'm with NatWest and this actually happened to me a long time ago.

I'm sure other MSEers will correct me if this is no longer the case.

wigginsmum

If it hasn't been cashed within the past month, there's a good chance it has indeed got lost, so tell your bank this.

Shamish

Thanks for the replys

Hopfully they do never had many problems with charges in the past they've always giving them back

Just a bit worse off now than we were when we ordered the stuff and cant be bothered waiting on the goods

Looking at storys on here some people have waited as much as 3 months lol

Thanks

jonesMUFCforever

If a cheque is lost most banks will stop it for free provided it already hasn't been debited to your account and that you did not write a card number on the reverse.

Bossyboots

Surely it is irrelevant whether you write the card number on the back as the cheque guarantee is only applicable if the payee writes it on themselves. The bank does not therefore have to honour the cheque.

jonesMUFCforever

Bossyboots wrote:

Surely it is irrelevant whether you write the card number on the back as the cheque guarantee is only applicable if the payee writes it on themselves. The bank does not therefore have to honour the cheque.

But if you look at a lot of these adverts some will ask for a number to be put on back of cheque. I agree with you that this is against cheque card regulations but makes it more difficult for bank to stop a cheque.

amandathepanda

Just say that it is lost in the post and there will be no charge.

liuhut

This depends on the bank, some banks do charge for cheques lost in the post. When I worked for HSBC they used to charge £7 but that was a good few years ago - its bound to have gone up hey!!

MinniMe_2

which bank is it? I know hfx will cancel a chq free if it has lost (done this a few times) but what you need to be careful of is that if it is under the guarantee limit then they may not cancel it

derrick

Intelligent Finace,(Halifax) charge £7.50 for a cheque to be cancelled, even if lost in post.