banking advice grrrrrrr

red_devil

can someone say which one is right. I am fed up of being told different things.

I sent someone a cheque and it was returned to them twice with refer to drawer on it. The bank said i didnt have enough money in my account but i did it was their error.

They told me at the bank to tell my friend all was sorted and to present the cheque again. My friend is asking for a new cheque and says she cant present this one again as its got refer to drawer on it?

I will gladly send another cheque but who is right on this one?

ariba10

I would destroy the old cheque and issue a new one.

I don't see a problem.

red_devil

thats not the point the bank said she could present it again could she have? Why do you get told different things.

opinions4u

Refer to drawer is code for "this guy's skint and there's virtually no chance of it ever being paid".

Refer to drawer please represent is code for "this guy should be good for the money pretty soon".

If the original cheque is represented and there's money in the account it will be paid.

Equally, if a replacement cheque is presented and there's no money in the account then it probably won't be paid.

The existing cheque should be fine, but I understand why your friend would want a replacement. It is, however, pointless.

pinkdalek

Why just not ask them for their bank details and send the monies via fast payment?

moneysaverboy

if they've literally stamped the cheque, then the cashiers may not accept it at all. However, most banks don't do that, they send the cheque back with a letter that states refer to drawer. Why not ask for your friend's bank account details and do a direct transfer to them - would save sending a new cheque and you'd know it was in there safe then too.