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

Goldiegirl

Angrywithlloyds wrote: »

The bank told me the payment was cleared and that the money will be in my account!
This is the only reason I let the buyer take the car, I would like to think I am not completely stupid!
All the buyer signed was a receipt, the working of which I got from the Internet and wrote in a previous post.

Ok, you've noticed that the deposit that you've paid in is £10,000 short.

Yet you let the buyer take the car when you knew the money wasn't in your account.

Why on earth didn't you wait until you saw, with your own eyes, that the cleared money was sitting in your bank account?

Why just accept some rather woolly comment about 'the money will be in your account'?

I'm staggered that you let the car go when you were fully aware that the £10000 wasn't in your account.

Aquamania

Mr_Goodkat wrote: »

This has to be a wind up.

Do you think so?

It could be the cheese that did it

stalkah

I have one question.

Why would anyone hand over a cheque for £10k for a car and then wait 9 days (or what ever it was) before collecting said car.
Surely that leaves them in a very vulnerable position?

Mr_Goodkat

Aquamania wrote: »

Do you think so?

It could be the cheese that did it

Yep has to be a wind up either that or the OP is both the most repeatedly unlucky and repeatedly stupid person since the year dot....

Mr_Goodkat

stalkah wrote: »

I have one question.

Why would anyone hand over a cheque for £10k for a car and then wait 9 days (or what ever it was) before collecting said car.
Surely that leaves them in a very vulnerable position?

As I have stated I think this is a wind up.


A cheque is the worst way of conducting a private car sale transaction it opens both parties up to massive risk!!

BillJones

grumbler wrote: »

The copies (or a more detailed statement showing separately all cheques deposited) have to prove that one cheque out of 7 and £10K are missing.

I don't think that the OP has yet confirmed that they also wrote down the fact that he deposited 7 cheques, has he?

Somerset

lolavix wrote: »

Exactly this. They can't magic up a cheque from nowhere and won't just give OP £10k on the strength if a receipt.

So what is the point of a receipt, stamped by a bank, specifying number of cheques and total deposited ? Why even bother with this procedure if it's meaningless ? I thought it was your (and the bank's) evidence of the counter transaction.

anotheruser

I know this is from pages gone by but...

Angrywithlloyds wrote: »

Perhaps to make things clear, you should re-read the post, the car was 10k, this was the cheque that has gone missing, the other cheques added to nearly double, plus the 10k cheque.... Have I lost you yet?... This would make three times the car total.. Still there?.

Yep, completely lost.

Your OP just says "several cheques" - doesn't actually specify how many, the amounts on them or the total amount.
That info still hasn't been posted, so you are deliberately being illusive instead of writing it to begin with. Post 141 is another example where someone has asked you a question and you haven't bothered to answer it.

Plus, the way you have explained it above makes it sound like the car was sold for £10,000 ("the car was 10k"), but you just happened to be paying in some other high-value cheques at the same time - enough money for them to be offering you special accounts.
If I pay in multiple cheques, I will get a receipt for each one (with a printed copy of it) - the teller wouldn't add them all up as they would need to be processed individually anyway.

But you should understand there are two issues here. While you are adamant on the banking issue, the other could be just as costly, but as posted in post 68 - if you're not interested in paying fines, you need to ask the DVLA what you can do.

The whole thing stinks of "something not quite right here", which is clearly proven in the first 2/3 pages, the fact this has dragged on for 7 pages without you giving full, open and honest details (like I asked for in my post) and the fact you don't appear to know the basics of selling a car... all this together with being a new user :S
My wind-up metre is on FULL... what a boring way to have a laugh.

Will end by quoting this, three times to get the point across:

innovate wrote: »

Apologies to those who tried/are trying to help the OP. You are wasting your time.

innovate wrote: »

Apologies to those who tried/are trying to help the OP. You are wasting your time.

innovate wrote: »

Apologies to those who tried/are trying to help the OP. You are wasting your time.

societys_child

Angrywithlloyds wrote: »

Just because you asked, they were all ppi reclaim cheques.

So that's 6 cheques from mis-sold PPI totalling around £20k which you apparently received all at the same time, and then took to the bank along with the £10k cheque from the car sale . . . humm, OK

likelyfran

lolavix wrote: »

Exactly this. They can't magic up a cheque from nowhere and won't just give OP £10k on the strength if a receipt.

No but if they gave him a receipt that said they received it, then the blame lies with them and can't be turned back on OP.
Saying there was a 'mistake' on the receipt doesn't wash either and could be used as an excuse for theft/ fraud!