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Real life MMD: Should I cheque out my Nan?

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  • As a Gran myself, I wanted you to have the money so cash the cheque but check with Gran first to make sure it is still OK. Some of us grans are on a tight budget but don't worry we love our grandchildren and can forgive a lot!
  • The bank shouldn't have told you they couldn't accept it. There is no expiry date on cheques. I have been told directly by a corporate accounts Manager that cheques can be valid up to 5 years after they are written and even then they should only be accepted or refused on a discretionary basis. I'm not sure if the person you claim, to have spoken to at the bank knew what they were talking about. I would demand to speak to speak to/see somebody in charge and still bank it.
    Your old granny will know as if she checks her balance she will see the £25 go out but who cares?!

    I've just read the post above? You snobby !!!!, how dare you criticise people for whatever they call their grans! You should be ashamed of yourself!
  • timbstoke
    timbstoke Posts: 987 Forumite
    Part of the Furniture 500 Posts
    Your old granny will know as if she checks her balance she will see the £25 go out but who cares?!

    If that £25 is her heating/food money for the week, I'd imagine Granny would care. Just because she scraped it together a year ago doesn't mean she can still afford for it to just disappear from her account. Most banks will also charge for the privilege of refusing a cheque, so you could well be incurring extra fees for her and still not getting the money if she doesn't have it.
  • Your old granny will know as if she checks her balance she will see the £25 go out but who cares?!

    Fair enough. The sooner she starves to death, the sooner you can get your hands on the inheritance. Good thinking.
  • Tough! Bin the cheque. You are obviously too affluent or you wouldn't have lost the cheque in the first place.
  • madanna
    madanna Posts: 13 Forumite
    Part of the Furniture Combo Breaker
    If it's taken you nearly 12 mths to think of broaching the subject you either don't need the cash, know youre granma is a bit tight for cash or you're not that close to granma to have said something sooner. Likely, granma knows you've not cashed it and also thinks one of the above three reasons for your not cashing it. Maybe she'll mention it again at birthday time, maybe not.
  • If you're close and she's able to afford it, why not tell her. She'll probably laugh. If you're a bit distant or she's not too flush, you've just learned a £25 lesson in organising yourself....
  • Twinny99
    Twinny99 Posts: 1,454 Forumite
    Part of the Furniture Combo Breaker
    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.

    This happened to me to and I did exactly what the poster above suggested. Well, i didn't actually frame it but I still have it safely tucked away and it always reminds me of my lovely Nan who died 2 years ago now :)
  • chog24
    chog24 Posts: 96 Forumite
    It's a tricky one, but she probably knows that the cheque was never cashed (assuming she's keeping on top of her banking, at least). If it were me and one of my grandparents, I'd bring it up casually ("Guess what I found the other day - I'm such a fool!"), knowing that if they could afford it they'd gladly replace the cheque.
  • tgroom57
    tgroom57 Posts: 1,432 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Definitely tell your nan about it ! I'm a gran and we love to hear of things that we thought were lost being found later- in the most unexpected places. Especially since you didn't actually throw it away with the rubbish (that would have been quite different!)

    I'm pretty sure she will write a replacement cheque -and maybe you'll value the sum more this time around.
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