a cheque from a stranger ?

MoneySaverLog

jane130 wrote: »

He also responded to an add on Gumtree when looking for work which started to look a bit like a scam when he got a reply so he didn't follow it up .

This is very likely to have been the source then.

jonesMUFCforever

meer53 wrote: »

Beat me to it !

Can't see any fraudster sending 25 cheques (if a full book) to 25 random addresses ! To them it would be like giving away cash.

Then the fraudster would have to get in touch with each individual to get access to their cash, how successful do you think this would be ?

I disagree.
OP banked his cheque didn't he?
Only takes a few cheques to slip through and the scammers are laughing.

somethingcorporate

jonesMUFCforever wrote: »

I disagree.
OP banked his cheque didn't he?
Only takes a few cheques to slip through and the scammers are laughing.

I agree with this. Unfortunately most people are more greedy than the cookie monster and see the opportunity for a few free ££ (or a lot of free ££) then I bet 9 out of 10 sent out would be banked.

Just look at the number of fools looking to wriggle out of their financial responsibilities on the loans board and number of false whiplash claims in the motoring forum if you have any doubt as to how far people are willing to go to cash in for a few quid. Morals go right out of the window! As does caution unfortunately and many scammers know this.

When it goes horribly wrong I like to think of it as a stupid (or immorality?) tax.

catokelly

When the cheque bounces, the bank is going to more-than-likely charge your son a fee.

I also had issues when i applied for lots of jobs a few years ago, started getting phishing emails and random friend requests on facebook all of a sudden (am sure it was due to a job i saw advertised at jobcentre that asked for the cv to be sent to a hotmail address - at the end of the day there is so much info on a cv that these fraudsters can find out so much about you!

MoneySaverLog

catokelly wrote: »

When the cheque bounces, the bank is going to more-than-likely charge your son a fee.

I also had issues when i applied for lots of jobs a few years ago, started getting phishing emails and random friend requests on facebook all of a sudden (am sure it was due to a job i saw advertised at jobcentre that asked for the cv to be sent to a hotmail address - at the end of the day there is so much info on a cv that these fraudsters can find out so much about you!

So much so that you should really check out any company that asks for a CV to ensure they are legit. A hotmail address only and no company name and address would seriously ring alarm bells with me.

Agree about the bank charges though.

opinions4u

When the cheque bounces, the bank is going to more-than-likely charge your son a fee.

I'm not aware of any bank that charges the account holder for paying a duff cheque into their personal account.

Such fees may exist on business accounts, but will be somewhere between rare and non-existent on personal accounts.

catokelly

opinions4u wrote: »

I'm not aware of any bank that charges the account holder for paying a duff cheque into their personal account.

Such fees may exist on business accounts, but will be somewhere between rare and non-existent on personal accounts.

Well it is written on my Natwest terms and conditions that Natwest will charge a fee for a returned cheque, and it seems to be the case for customers with most banks http://www.blackboardforum.com/finance/reclaiming-your-unfair-bank-charges/

opinions4u

catokelly wrote: »

Well it is written on my Natwest terms and conditions that Natwest will charge a fee for a returned cheque, and it seems to be the case for customers with most banks http://www.blackboardforum.com/finance/reclaiming-your-unfair-bank-charges/

I cannot see anything that refers to a fee being applied where a cheque from a third party is deposited in to your account and subsequently returned unpaid. Unless you are confusing this scenario with the customer who writes the dud cheque.


http://www.natwest.com/downloads/global_options/Guide_Fees_Interest.pdf


Admittedly I only skimmed the 112 pages. Please show me where.

innovate

catokelly wrote: »

Well it is written on my Natwest terms and conditions that Natwest will charge a fee for a returned cheque, and it seems to be the case for customers with most banks http://www.blackboardforum.com/finance/reclaiming-your-unfair-bank-charges/

I think you will find that you are only liable if a cheque that you have written bounces, not a 3rd party one that you tried to deposit and that won't clear, and that this is so at all banks.

But please correct me if I am wrong by quoting the details of the bank's T&Cs (rather than an opinionist website) that say they will fine you if a cheque you deposited bounces.

Dr_Cuckoo3

opinions4u wrote: »

I'm not aware of any bank that charges the account holder for paying a duff cheque into their personal account.

Such fees may exist on business accounts, but will be somewhere between rare and non-existent on personal accounts.

it's quite common with building society personal accounts and Northern Ireland banks

http://www.thetipton.co.uk/home/savings/tariff-of-charges

Cheques returned unpaid £15.00
http://www.darlington.co.uk/108-Society-administration-fees.html

£25

http://www.firsttrustbank.co.uk/servlet/ContentServer?pagename=FTPersonalPortal/FTContent_C/ft_download&c=FTContent_C&cid=1245399006381&channel=P004

£6

catokelly wrote: »

Well it is written on my Natwest terms and conditions that Natwest will charge a fee for a returned cheque, and it seems to be the case for customers with most banks http://www.blackboardforum.com/finance/reclaiming-your-unfair-bank-charges/

Fee charged to drawer