Bank lost cheque and are denying ever having it.... Desperate and need help!

Angrywithlloyds

closed wrote: »

no, Too many things ..

3 people can't add up, you happened to pay in cheques large enough to trigger money laundering questions and the one that goes missing happens to be for the car - exactly 10k, 1 person can't read a screen that says cleared funds properly, when previously this 10k wasn't being registered at all on the system. (something you could also check online or in an atm), x amount of people in the bank have said tough we are washing our hands of it, the dvla/police/citizens advice are too busy to help, and it all happened over a bank holiday period.

and while all this is going on, you handed over a v5c and a car to someone unknown, without reading the "what to do if you sell the car section", and don't seem interested in the slightest that if this happened, you have potential insurance/fine/tax problems in the pipeline.

And to cap it all, your phone has wiped out the phone number of the one person you might need to speak to, to get a replacement cheque.

Do you think I have made the whole thing up?
The 10k cheque wasn't the largest.
You obviously haven't read the post properly...
TWO people told me on separate calls the money was cleared, the reason I called was because it wasn't showing online. The reason it wasn't showing online was because of the bank holidays and the clearing system.. (I was told this too).
I spoke to the police, they said a crime has not been committed unless the cheque was fraudulent...
The dvla phone line was too busy and told me try later which I have done a few times.
The citizens advice says the same, try later, which I will do.
My phone doesn't wipe anything, it only stores the last 20 calls.. As I have said before.
I handed over everything to do with my car as I assumed I no longer owned it and they all belonged to the new owner... Isn't this what you do or are you supposed to keep old mots, service book etc as well?.???
I admit I didn't follow the correct procedure in completing the details to transfer the car to a new owner, but that isn't really the main issue here.

Angrywithlloyds

closed wrote: »

no, Too many things ..

3 people (bank staff) can't add up the total or count upto 7 (the number of cheques is written on the paying in slip), you didn't fill the slip in yourself as most people would do, you happened to pay in cheques large enough to trigger money laundering questions and the one that goes missing happens to be for the car - exactly 10k, 1 person can't read a screen that says cleared funds properly, when previously this 10k wasn't being registered at all on the system. (something you could also check online or in an atm), x amount of people in the bank have said tough we are washing our hands of it, the dvla/police/citizens advice are too busy to help, and it all happened over a bank holiday period.

and while all this is going on, you handed over a v5c and a car to someone unknown, without reading the "what to do if you sell the car section", and don't seem interested in the slightest that if this happened, you have potential insurance/fine/tax problems in the pipeline.

And to cap it all, your phone has wiped out the phone number of the one person you might need to speak to, to get a replacement cheque, and you didn't phone them, save or write down their contact details

not one butter side up landing to be seen

Why do you keep changing your story?

Cornucopia

Whilst the OP's situation is something of a nightmare collection of (understandable) errors and banking incompetence, some of the responses here aren't very helpful.

The best approach (though hard to do) is to take a deep breath and deal with the situation methodically.

1. You can check the vehicle's status online, here: https://www.taxdisc.direct.gov.uk/EvlPortalApp/app/enquiry?execution=e1s1

and here: http://ownvehicle.askmid.com/. This might tell you something useful.

2. Contact DVLA to obtain the keeper's details. Do this periodically over the next couple of weeks until the new owner's details come back. I think you have a reasonable justification for requesting the details. If they say not, ask the Police for assistance.

3. If, after a reasonable period, the new owner's details are not apparent, follow whatever procedure DVLA/the Police have for when new owners don't provide details to the DVLA. Don't report the car stolen unless it becomes apparent that it genuinely has been.

4. In the meantime, consult a solicitor and begin the ombudsman complaint.

5. Consider asking your insurance company whether they can help you trace the vehicle's new insurers.

6. Ignore the claims that you retain liability for parking fines, etc. You don't. These are the responsibility of the offending driver. You *may* be approached by the authorities, and you *may* have to state/show that you no longer drive the car, but that should be the end of it.

The morals of the story are:-

(a) large value cheques should ALWAYS go on individual paying-in slips/receipts.

(b) never sell anything expensive to anyone without retaining their contact information (verified, if possible).

(c) take copies/photos of important documents before you let them out of your hands.

GingerFurball_2

Angrywithlloyds wrote: »

The cashier added up the cheques by hand three times, and then wrote out the receipt, this was checked by three different people and then stamped. As soon as I noticed the amount actually credited to my account was different I called customer services.

And customer services would have referred you to the branch you deposited the cheque at.

PaulW922

The police will not be interested - there is no crime here. And just to clarify, if the car purchaser gave Angrywithlloyds a bank draft for the car then they now own it. There is no question of Angrywithlloyds being able to take the car back. The dispute is with the bank.

Thrugelmir

Angrywithlloyds wrote: »

Do you think I have made the whole thing up?
The 10k cheque wasn't the largest.
You obviously haven't read the post properly...
TWO people told me on separate calls the money was cleared, the reason I called was because it wasn't showing online. The reason it wasn't showing online was because of the bank holidays and the clearing system.. (I was told this too).
I spoke to the police, they said a crime has not been committed unless the cheque was fraudulent...
The dvla phone line was too busy and told me try later which I have done a few times.
The citizens advice says the same, try later, which I will do.
My phone doesn't wipe anything, it only stores the last 20 calls.. As I have said before.
I handed over everything to do with my car as I assumed I no longer owned it and they all belonged to the new owner... Isn't this what you do or are you supposed to keep old mots, service book etc as well?.???
I admit I didn't follow the correct procedure in completing the details to transfer the car to a new owner, but that isn't really the main issue here.

Ok. So the cashier mistakenly added up your 7 cheques incorrectly. To the tune of £10k. Once you were aware of the error. You created a lost 8th cheque which you purported to be for the sale of your car. Whereas the cheque for the sale of your car was actually banked with the other 6 cheques. This would explain why you have absolutely no contact details for the mysterious buyer who only ever contacted you. As once they are located. Your story will fall apart.

closed

Angrywithlloyds wrote: »

Why do you keep changing your story?

It's your story, not mine.

MSE is full of made up stories, look at the photo's of the V5 and get the name and address, or is that now not filled in?

meer53

OP, if you have a stamped receipt from lloyds which shows you paid in 7 cheques, including the cheque for £10k, take your issue to the FOS.

innovate

Mr_Goodkat wrote: »

This has to be a wind up.

Agreed. Yours is the most sensible post in the entire thread. Apologies to those who tried/are trying to help the OP. You are wasting your time.

antrobus

Cornucopia wrote: »

.... Don't report the car stolen unless it becomes apparent that it genuinely has been.......

I think it would simpler to say "Don't report the car stolen". After all, the buyer in this scenario has done nothing wrong. It's not their fault that the cheque's gone missing, and they have committed no crime.

PaulW922 wrote: »

The police will not be interested - there is no crime here. And just to clarify, if the car purchaser gave Angrywithlloyds a bank draft for the car then they now own it. There is no question of Angrywithlloyds being able to take the car back. The dispute is with the bank.

See, somebody else gets it.:)