Lost cheque Help!

hopeless1234

Hi everyone

We paid a cheque for £540 into our account and the amount showed up on our account.

We have received a letter this morning from Barclays to say that the "cheque was lost in the process of clearing".

They have taken the amount off our balance and have told us that we need to contact our customer and ask them to pay by an alternative method.

Surely this cannot be right? This is going to make us look really stupid with our customer.

Help. Surely the bank should take the responsibility for sorting this?

dalesrider

hopeless1234 wrote: »

Surely this cannot be right? This is going to make us look really stupid with our customer.

Help. Surely the bank should take the responsibility for sorting this?

How do barclays know who the payee is?

Why is it making you look a fool.
You contact the other party and explain that the cheque they gave you has been lost in the banking process and can they either supply a new one ( as well as stop lost one) or send a faster payment (better option)

grumbler

dalesrider wrote: »

...( as well as stop lost one) .....

Barclays charge £12.50 for stopping. The amount might be different in other bank, but surely it's Barclays who has to pay for this (at least) ultimately.

dalesrider

grumbler wrote: »

Barclays charge £12.50 for stopping. The amount might be different in other bank, but surely it's Barclays who has to pay for this (at least) ultimately.

Its upto the issuing back to stop the cheque.

I'm sure given the situation that no charge would be applied.

Charges only tend to be applied when someone is delibertly stopping a cheque to stop payment owed.

grumbler

So, if I ask my bank to stop my cheque, how do they know whether I do this 'deliberately' or 'given the situation'? What stops me blaming 'the situation' every time I stop a cheque?

YorkshireBoy

grumbler wrote: »

So, if I ask my bank to stop my cheque, how do they know whether I do this 'deliberately' or 'given the situation'? What stops me blaming 'the situation' every time I stop a cheque?

Timescale?

Presumably some considerable time has passed in order that Barclays have conducted a search/investigation, then written a letter, then given it to Royal Mail...who then delivered it 2 days later.

If you stop a cheque with your bank saying it's lost, then it miraculously turns up in the system 1-2 days later when the payee presents it, it's odds on you're trying to pull a fast one (and they'll probably make a charge)!

dalesrider

grumbler wrote: »

So, if I ask my bank to stop my cheque, how do they know whether I do this 'deliberately' or 'given the situation'? What stops me blaming 'the situation' every time I stop a cheque?

Op sends letter to person requesting stop..... If their bank are being funny about charging.

Now is that simple enough.

pmduk

Any cost incurred in replacing the cheques are Barclays' responsibility surely?

grumbler

YorkshireBoy wrote: »

Timescale?

Too vague IMO. It can take me weeks to deposit the cheques I receive sometimes.

If you stop a cheque with your bank saying it's lost, then it miraculously turns up in the system 1-2 days later when the payee presents it, it's odds on you're trying to pull a fast one (and they'll probably make a charge)!

If a cheque lost by a bank can never "miraculously turn up in the system" I don't see the point in stopping it.

dalesrider wrote: »

Op sends letter to person requesting stop..... If their bank are being funny about charging.

Now is that simple enough.

Forwarding the letter? No, it's not simple IMHO.

dalesrider

grumbler wrote: »

If a cheque lost by a bank can never "miraculously turn up in the system" I don't see the point in stopping it.

You clearly have no idea how the background cheque process works.

Very easy.... It may have been sent to the wrong bank. It may simply be that, that days cheques are sat waiting to be worked. I can also think of quite a few more reasons. Why that cheque can turn up later....

grumbler wrote: »

Forwarding the letter? No, it's not simple IMHO.

Grumbler, by name and nature by the seems of it. :rotfl:

grumbler

dalesrider wrote: »

You clearly have no idea how the background cheque process works.

I don't have to know how engine works to drive a car.

Very easy.... It may have been sent to the wrong bank. It may simply be that, that days cheques are sat waiting to be worked. I can also think of quite a few more reasons. Why that cheque can turn up later....

Yes, this was my point that I made when replying to YB.

Case 1. I write a cheque to someone. I see that it wasn't cashed after two weeks, and I ask my bank to stop it blaming "the situation" to avoid the fee. After the cheque was stopped, the recipient deposits it to their bank.

Case 2. The cheque was deposited instantly and was lost by the recipient's bank. In two weeks they ask me to stop the cheque and to issue a new one. I ask my bank and blame "the situation" again. A few days later the cheque "turns up" in the system.

Without a letter from the other bank how can my bank see any difference between Case 1 and Case 2?

Grumbler, by name and nature by the seems of it. :rotfl:

You are not the first one to say this.