Real life MMD: Too late to claim for wedding cheque?

Cimscate

lynettec1 wrote: »

Unless people are really laxed they would keep an eye on cheques to this value, I know everything that comes out of my account and what and when was paid out and should be in.

Actually if they could afford to give £200 which is a lot of money I'd say they may not notice. I always check my bank statements but know lots of people who don't. I do agree you should not ask for or even mention it 3 years down the line. Can't think you can be that close to them or something would have been said long ago. I can;t think of anyone but very close relatives who would dream of giving this sort of amount for a wedding present personally

A.Jones

Change the date and write their initials next to it.

Or stamp "BOUNCED" on it, and show it to them.

no-brainer_3

Pee wrote: »

I don't think you ought to do this, but are you sure the cheque has expired? Some cheques state that they are only valid for six months, but some are valid longer.

I would say just forget it, but if they ever bring the subject up - unlikely now - tell the truth.

I'm afraid after 3 years this cheque certainly can't still be presented. It's not a matter of cheque 'validity' but the time bank's allow for reasonable presentation.

The issue here is so straight-forward; sorry but no. You've just left it too late. You'd written the money off, it needs to now stay that way. Will be a good laugh between you and the couple one day - maybe for their 25th anniversary you can give them the original cheque back :beer:

poorbutrich

Can I swap friends with you?

cuba2008

If I were your friends and you brought the subject up now, I would be a little cross that you didn't inform me at the time as, if you really had lost the cheque, I would have wanted to cancel it with my bank to stop anyone else cashing it. Either way, I would say it is too late now to expect a replacement - as others have said, unless your friend is well off, circumstances change and it could well be that £200 is an amount she/he can no longer readily afford.

Must admit, I agree with those who have said how can anyone not notice an amount of that size hadn't been debited to their bank account. I'd notice an amount of £20 not coming out!

penny_saver

Why didn't the friend notice it hadn't been cashed??? Too big an amount to not notice.
I'd definitely mention it, but if another cheque isn't forthcoming, well....:D

*Louise*

3 years is waaaay too long to start asking for a replacement cheque

I would appreciate the fact that it was given and let it go.

maryb

It really bugs me when people don't present cheques straightaway as it makes it so difficult to keep an eye on your 'true' balance. It's surprising how many people do wait before depositing cheques As time goes on you forget to make the adjustment and then you forget about it altogether. So I'm not surprised they seemed not to notice it hadn't been cashed.

You avoided awkwardness at the time by not fessing up to your carelessness when it could have been put right easily by issuing a new cheque. I don't think you can change your mind now when it would come as an unwelcome surprise

TBagpuss

I agree, it is far too late to ask for a replacement, or to try to cash it.

(Banks are not obliged to honour cheques more than 6 months old, but in practice dates are rarely checked unless the cheque is for a very large amount. I once (with the payers full knowledge and agreement) sucessfully cashed a cheque which was over 20 years old!)

if you thanked the giver at the time, you should simply shred the cheque. If you didn't, or if you know the giver really well, you could let them know that you were foolish enough to lose it and that you did not intend to offend them, but you should under no circumstances ask (either directly or by hinting) ask for it to be replaced.

[Deleted User]

Tell them you've just got divorced and remarried, so can you have another £200 please.