What do with some old cheques of UK banks?

am.jovial

I just found some old cheques of 2006 and 2007 issued from people having accounts in various bank in the UK (Sheffield Co Op Society Ltd., Alliance & Licester, NatWest etc.). All are for an amount of about 50 to 60 GBP and given to me for a service I had provided to various organisations. My account is with HSBC.

If I deposit the cheque it may be dishonoured.
What is the best approach to get these money in my account ?
Should I write to the individual banks and if they agree then only present it? Or, just present it and if they are dishonoured, write to the cheque-providers ?

Thank you.
Am

shortcrust

Although they're still theoretically valid, banks will usually reject cheques that are over 6 months old. Best option is to contact the people/companies who wrote them and ask for replacements. That said, I wouldn't replace a cheque from that long ago.

apesxx

Surely you can't expect people to still pay out on a cheque they wrote 7 years ago. I know I wouldn't re write one now as you should have cashed it at the time. When I write a cheque I watch my account until it goes out but I guess that after 7 years it would be long forgotten about x

jonesMUFCforever

Would the 6 year rule to enforce debt play a part here?

If it was me I would bin them.

InsideInsurance

The debts would be statute barred but that doesnt mean a reasonable person wouldn't happily write a new cheque - most people dont try and avoid their responsibilities

shortcrust

InsideInsurance wrote: »

The debts would be statute barred but that doesnt mean a reasonable person wouldn't happily write a new cheque - most people dont try and avoid their responsibilities

Are you serious?? You really think it's reasonable to ask people to write new cheques after 6 or 7 years? How about 20 years? 50 years?Where's the cut off point where it becomes unreasonable?

am.jovial

Thank you for the variuos replies.
I still want to try my luck by presenting. Will the cheques be returned to me if the banks reject it? Will it be destroyed by the bank ? Will they notify me and return the cheque ?

Thank you.

Jonboy_1984

Depending on your accounts T&C's you may be charged for each one that is returned.

pinkdalek

am.jovial wrote: »

Thank you for the variuos replies.
I still want to try my luck by presenting. Will the cheques be returned to me if the banks reject it? Will it be destroyed by the bank ? Will they notify me and return the cheque ?

Thank you.

There's only one way to find out. ASK THE BANK!

System

The bank will reject any cheque older than 6 years as is is a staturte barred debt.

http://www.chequeandcredit.co.uk/resources/faqs/cheques_and_cheque_clearing/

Dirk_Gently_2

shortcrust wrote: »

Are you serious?? You really think it's reasonable to ask people to write new cheques after 6 or 7 years? How about 20 years? 50 years?Where's the cut off point where it becomes unreasonable?

Nothing to stop the OP asking. I'd imagine the vast majority of the senders, if not all of them, will just tell him to take a running jump (or words to that effect!)