Cheque Problem!! Advice Please!

Flumpette

Hello all, this is my first post here and I figured all you well-informed people might be able to assist ... hopefully!

I recently received a cheque through the post as a birthday present for my child from my ex partner, who has since moved abroad. He still has property in the UK and has clearly left his sister in charge of his assets whilst the property sells. The cheque was made payable to my child, from the ex's UK bank account but signed by his sister whose name isn't on the cheque. I presented the cheque to a bank today to pay into my son's account and they refused to accept it as it is technically fraudulently signed.

Any ideas what I can do with it now? I have no forwarding address for the ex or his sister. All suggestions (within reason!!) gratefully received!

LittleVoice

Flumpette wrote: »

Hello all, this is my first post here and I figured all you well-informed people might be able to assist ... hopefully!

I recently received a cheque through the post as a birthday present for my child from my ex partner, who has since moved abroad. He still has property in the UK and has clearly left his sister in charge of his assets whilst the property sells. The cheque was made payable to my child, from the ex's UK bank account but signed by his sister whose name isn't on the cheque. I presented the cheque to a bank today to pay into my son's account and they refused to accept it as it is technically fraudulently signed.

Any ideas what I can do with it now? I have no forwarding address for the ex or his sister. All suggestions (within reason!!) gratefully received!

How did they know that it was technically fraudulently signed? I'm surprised they looked at the signature.

However you could write to your ex c/o the bank on which the cheque was drawn. Ask the bank to forward it. Explain in your letter to your ex that you have the cheque which has been rejected by a bank.

BlueC

LittleVoice wrote: »

How did they know that it was technically fraudulently signed? I'm surprised they looked at the signature.

That was my immediate reaction. How did the bank know that his sister had signed it and not him?

Buzby

If your bank ATM allows deposits, pay it in again that way!

innovate

Buzby wrote: »

If your bank ATM allows deposits, pay it in again that way!

The cheque will not clear if it is not signed by the account holder.

JuicyJesus

I can think of several ways that someone completely different from the account holder could legitimately sign a cheque. Third party mandates for one. Powers of attorney for another.

I can understand them being cautious though. Cheque fraud is depressingly common, and they have to cover their own backs here.

jonesMUFCforever

Was the cheque drawn on the same bank as it was paid into?
If so a signature check may have been carried out - paying it in through a deposit machine won't change that.

coldhandoff

Flumpette wrote: »

they refused to accept it as it is technically fraudulently signed

You didn't actually tell them that did you?

Flumpette

LittleVoice wrote: »

How did they know that it was technically fraudulently signed? I'm surprised they looked at the signature.

However you could write to your ex c/o the bank on which the cheque was drawn. Ask the bank to forward it. Explain in your letter to your ex that you have the cheque which has been rejected by a bank.

Thanks everyone for taking the time to reply.

They knew it was signed by another person as his sister has signed the cheque with her name, but it's got my ex's name on the cheque!

madgagoo

innovate wrote: »

The cheque will not clear if it is not signed by the account holder.

I'm sorry to say that this comment is just wrong. A cheque will not (or should not) clear if it is not signed by a signatory but this person does not have to be an account holder.

coldhandoff

I assume that's what they meant