Cheque problem

barnaby69

Hello,

Going back 3 years I ended a relationship, my ex owed me a few quid and after a period of time when she settled back down again she started to repay me by cheque written by her new BF (this was 2 years ago).

A couple of weeks ago I had a letter from my bank saying the BF has reported these chqs as being stolen (my guess is they split up and its been done through getting his own back)

The bank have asked me if the drawer was known to me? and what were the chqs in payment for.

What is my position here (two years after chqs were cashed) ? can I just write to the bank and say "I cannot recall the exact circumstances over the chq but I accepted them in good will" should I say nothing? am I liable for the money?


TIA.

JanCee

Tell the truth to the bank. Do you have any written evidence to back up your story? I would make it clear to the bank that you think this is some sort of marital dispute between your ex and this guy and you are the innocent party.

The reason I am urging you to be truthful is that although cheques clear within a set number of days and cannot be reversed from your account, in fraud cases the rules are different and you would have to ask your bank if your funds are at risk.

Don't sit back and say nothing, say positively and firmly that this was money that you were owed.

masonic

barnaby69 wrote: »

can I just write to the bank and say "I cannot recall the exact circumstances over the chq but I accepted them in good will" should I say nothing?

Those are probably the two worst things you can do. Tell the truth as JanCee suggests. If the BF really wrote those cheques then he is committing fraud by reporting them as stolen. His bank is likely to take a very dim view of that.

jonesMUFCforever

I agree with what has been said but take care with what you write/say.
It could be that your ex forged the cheques!

If that is the case you do need to be firm if the bank tries to 'bounce' them back.
This dispute is between her and her ex and his bank. If you do have any paperwork it will make it easier for you to prove your story.