does cashing their apology cheque mean they can close complaint?

dolly74_2

Sorry if this is in the wrong place
I recently logged a complaint with a bank after lots of things went wrong with a loan that was their fault. They admit this and have sent me an apology letter and a cheque for £105. Whilst their letter accompanying the cheque addresses some of the issues, I do not feel the complaint is completely resolved and i have been in contact with them again about this and told them to leave my complaint open and unresolved for the time being. I have told them what i want further to be done for me (i am not after further monetary compensation, just clarification on issues and assurance certain things wont go wrong in future). As I have done this, am I still allowed to cash their cheque in the meantime or will this hinder things? Also, is it a month you have to cash a cheque these days? The money would really help me out, paying towards some of my debts but I do not want to jeopardise the complaint in any way. Any advice welcome.

Freddie_Snowbits

With your point that you do not think the complaint is resolved, you will get a better response in the bankning bored..Try here

http://forums.moneysavingexpert.com/forumdisplay.php?f=185

**curlywurly**

You have six months to bank a cheque. If you are not after further monetary compensation, then you don't jeopardise your complaint by banking it

fthl

banking the cheque will be seen as acceptance of their offer and they will likely close the complaint. You'll get very little else out of them.

Oopsadaisy

fthl wrote: »

banking the cheque will be seen as acceptance of their offer and they will likely close the complaint. You'll get very little else out of them.

No it won't.....unless you agree to it as being a full and final settlement.

Renya

**curlywurly** wrote: »

You have six months to bank a cheque. If you are not after further monetary compensation, then you don't jeopardise your complaint by banking it

Sorry if this is going a bit OT, but I recently banked a cheque that was 2 years old, is it 6 months for every cheque?

Oopsadaisy

Renya wrote: »

Sorry if this is going a bit OT, but I recently banked a cheque that was 2 years old, is it 6 months for every cheque?

No.

AFAICR it's actually 6 years that a debt is legally enforceable, and a chq is a kind of debt.

However some retards at the banks seem to have the idea that it is only six months....d**kheads.

Some money orders eg 'dividend chqs from BT' do have 'valid for six months only...so they are 6 months only [if that makes sense]??

Equaliser123

Oopsadaisy wrote: »

No.

AFAICR it's actually 6 years that a debt is legally enforceable, and a chq is a kind of debt.

However some retards at the banks seem to have the idea that it is only six months....d**kheads.

Some money orders eg 'dividend chqs from BT' do have 'valid for six months only...so they are 6 months only [if that makes sense]??

The validity of a cheque is actually down to the discretion of banks. They MAY take a cheque over 6 months and up to 6 years but do not have to.

A cheque is a form of bill of exchange rather than a debt although it is actually very good evidence of a debt.