Real life MMD: Should I cheque out my Nan?

scoobydoobydoo

YOu lost it so you take the loss.

You could send her overdrawn if she isnt expecting it to come out of her account, or leave her short for something else. And the fact that you treated her gift with so little respect tells me that you dont deserve it anyway!

Ebenezer_Screwj

Why would it hurt her feelings telling her that you had mislaid the cheque and it is now out of date ? Just ask her to change the date and also sign against the alteration.

Torry_Quine

I would hope that she's already aware that you haven't cashed the cheque and is puzzled at why you've not used the gift. Even if unaware she will be expecting you to tell her what you got with the money won't she?

tallgirld

No you shouldn't ask for another cheque you should be more careful next time! I bet if it was a cheque for £25,000 you wouldn't have misplaced it.

Similar thing happened with my god-child she didn't bank a cheque I gave her. She never mentioned it and neither did I.

Decluttering

I personally wouldn't ask my nan to write another cheque, when you thought it was lost forever you were content to let it go so you can clearly live without it.

carlw

flyforfun wrote: »

The 6 month rule isn't true. Cheques can be banked any time after the date on the cheque. Take it back to the bank and insist they process it. I was told that by sombody who used to work in a NatWest branch and was a rules geek. They don't like doing it as there may be a slightly greater chance of it bouncing from what I recall him saying.

I was just about to post the same message, the 6 Month rule is an urban myth. Lots of companies, especially investment companies that issue payments by cheque will cancel a cheque after 6 months if its not cashed and then write the the client. They have to cancel them as they can, be cashed upto 6 years i believe.

Take the cheque back in and insist they process it.

lgerhardt

As a Grannie myself I would have noticed that the cheque hadn't been cashed and asked questions before now. I can only assume that you didn't need the money then and probably don't now, so would let it go.
Personnaly I would find it insulting that it didn't mean that much to you to bother to cash the cheque in the first place and therefore not send you anything else in future.

Itismehonest

BillHodge wrote: »

I'm not sure whether Julius is saying this with his tongue in his cheek or not, but the Routledge Dictionary of Historical Slang does define 'nan' as grandmother: lower classes coll[oquial], C.19-20

Growing up in north east England in the fifties and sixties, in what used to be referred to as a 'white collar working class' background, my family, who were not snobs, but had clearly defined views on 'respectability', certainly disapproved of the use of 'nan' and associated it with less well-educated people working in unskilled and semi-skilled manual occupations. Perhaps the embourgeoisement of the proletariat initiated by Margaret Thatcher has muddied the waters.

As my mother was often known to say "I am not a nan or a nanny. A nanny is a goat. I am a grandma or grandmother"
Very proper my old ma :D

Tigsteroonie

Whenever my Nan sends us a cheque, I have to phone her immediately to reassure her that it's been delivered and not lost in the post. Like others, she too monitors her bank account really closely - she was worried last year when I hadn't cashed one of her cheques after a month (truth was that I'd carried it around in my bag and just not got around to posting it to the bank!)

Would I ask her to re-write a 6month old cheque? No, I'd be too embarrassed

milvusvestal

If your Nan gets her bank statements regularly, she will have noticed that you hadn't presented her cheque in time as it will not have appeared as a debit on her account.

Tell her what happened, and all she needs to do is alter the date, and initial against it. She's hardly likely to be offended and, at her age, she will know only too well just how easy it is to mislay things. Above all, she won't get the wrong impression, ie that you have scant regard for her or her thoughtfulness, and just couldn't be bothered to pay the cheque in.

Once that's done, you can pay the cheque in as normal. That done, write her a short note of thanks - old fashioned that might sound, but her generation will value that above all else.