Real life MMD: Should I cheque out my Nan?

Former_MSE_Penelope

Money Moral Dilemma: Should I cheque out my Nan?

Last year my Grandma gave me a £25 cheque for my 24th birthday. I lost it (probably in the paper recycling with the card envelope). Not wanting to hurt her feelings, I didn't say anything to her. However I found the cheque (as a bookmark in a book I never finished reading – oops), and went to cash it. But the bank told me that as it is over six months old it can't be processed. Should I ask my Grandma to re-write the cheque, or should I just take the blow?

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ironlady2022

Depends how close to her you are and how her financial situation is. Obviously she wanted you to have it, but £25 is a lot for some especially in these hard times.

I would probably mention it to her in a sensitive way and gage her reaction!

jamespir

no you lost it so its your own fault and it would be cheeky to ask for it put it down to experience

scouserbear

Depends on her financial situation, my nan would have wondered why the cheque hadn't gone out of her bank anyway? If you know she could afford it tell her what you have done, 'hey nan guess what I found in my book?', it's her shout then whether to give you another cheque or not, but if you know she couldn't afford it because her circumstances have changed just give it up to experience and be more careful with cheques.

Sylje

I am a Nan, and I wouldn't mind at all if I needed to write another cheque for a grandchild. I keep an ongoing budget sheet any way, so I would have noticed it hadn't gone out of my bank account and asked why

Owain_Moneysaver

You left it in the birthday card which you put away in a safe place as it meant so much to you.

You do not tell Granny you used her cheque as a bookmark!!!

Itismehonest

Frame it & keep it.
You may have the cheque forever but you won't always have your Gran.
In years to come you'll look on it & the memories will make you smile.

McKneff

Sylje wrote: »

I am a Nan, and I wouldn't mind at all if I needed to write another cheque for a grandchild. I keep an ongoing budget sheet any way, so I would have noticed it hadn't gone out of my bank account and asked why

Me too, I wouldnt mind you coming back and asking me to re issue a cheque

whitewing

You could try paying it in via a machine or deposit envelope. It may go through that way.

I am sure your nan wouldn't mind rewriting it though.

scotsbob

Be honest, tell her what happened and ask her to write another cheque PLUS the interest due that she has been gaining on it while it was in her account rater than yours.

hammyham

Itismehonest wrote: »

Frame it & keep it.
You may have the cheque forever but you won't always have your Gran.
In years to come you'll look on it & the memories will make you smile.

Aww I think that's a lovely idea, so sweet!

Imo, unless you're really skint at the moment, and your gran isn't I'd leave it, unless she brought it up as she noticed it hadn't gone out of her bank?