Cheque dated of Sep 2005, can I cash it?

pardal51

*** Not sure whether this is the forum to post this thread, if it doesn't moderator, please, move it to the correct one...***

Just cleaning the clutter @ home I've found a Barclays cheque of £100+ sent to me in Sep 2005 re insurance refund.

Does anyone know whether I'll have problems to deposit this into my LTSB current account, date wise?

Txs in advance...

Lady_K

I thought it was 6 months they give you to clear a cheque but best thing to do is just ring your bank and ask them but if it is too late you could try contacting the insurance company that sent you the cheque to ask if they could resend a new one. They will know the original one hasnt been cashed. If you think they wont do that you could say you were checking your accounts and realised you never recieved the cheque in the first place they would then see it hadnt been cashed cancel the old one and send a replacement

KTF

I think the limit is 6 months. As above, contact the issuer and as them to send you a new one.

Andy_L

From APACS http://www.apacs.org.uk/resources_publications/faqs/cheques_10.html

s it true that cheques are only valid for six months?

It is common banking practice to reject cheques that are over six months old to protect the payer, on the basis that payment may already have been made by some other means or the cheque may have been lost or stolen . However, this is at the discretion of individual banks. It should not be assumed that cheques in excess of six months old would automatically be rejected — the only certain way to cancel a cheque is to request that a stop be placed on it (although cheques backed by a Cheque Guarantee Card cannot be stopped). It is recommended that, if possible, customers in possession of cheques that are over six months old obtain a replacement. A cheque remains legally valid for six years.

Andy

CopperPlate_2

6 month limit from memory?

CopperPlate_2

Think you need to go back to the issuer of the cheque and get another one.

kenshaz

The cheque is valid ,just present it

bengal-stripe

pardal51 wrote:

Just cleaning the clutter @ home I've found a Barclays cheque of £100+ sent to me in Sep 2005 re insurance refund.

Most money I ever found was 55p down the sofa.

CopperPlate_2

"t is common banking practice to reject cheques that are over six months old to protect the payer, on the basis that payment may already have been made by some other means or the cheque may have been lost or stolen . However, this is at the discretion of individual banks. It should not be assumed that cheques in excess of six months old would automatically be rejected — the only certain way to cancel a cheque is to request that a stop be placed on it (although cheques backed by a Cheque Guarantee Card cannot be stopped). It is recommended that, if possible, customers in possession of cheques that are over six months old obtain a replacement. A cheque remains legally valid for six years."

From the above site - apacs.

As has already been pointed out, prsent it and see what happens.

Gordon_the_Moron

I took a cheque (albeit a personal one and only for £50) to Natwest last year, it was about 18 months old at the time and they took it without question and I didn't have any problems with it. A+L have a clause in their terms and conditions about the age of cheques (6 months I think) so I guess it depends on the bank/society.

sarahspain

It's six months, however unless they notice when you pay it in it shouldn't get picked up as once it's in the system it won't physically be examined again.

It would only be looked at in detail if it was over a certain amount and £100 is a small amount in banking terms.