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

grumbler

BillJones wrote: »

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

Personally I imagine the OP as "she", but ....

Angrywithlloyds wrote: »

Yes, both. The amount deposited and the amount of cheques.

Angrywithlloyds wrote: »

Should I have said number of cheques?

Goldiegirl

grumbler wrote: »

Personally I imagine the OP as "she", but ....

Do you? I thought it was a bloke

JuicyJesus

I too am impressed that OP managed to get six PPI reclaim cheques all at the same time. What a fortuitous coincidence that six individual lenders all concluded their investigations and offered redress at the exact same time as OP sold their car, turning a potential seven visits to the bank into one. What a happy coincidence, especially as some lenders are settling their complaints quickly while others are taking a long time.

Or it could be a heap of b*llocks.

jonesMUFCforever

The problem here is that large cheques are likely to be referred to a ''sales'' sorry personal banker before being processed at the counter.
If the cheques had been processed first the counter reader would have read all of the cheques and a printed receipt issued. In this case it seems that a handwritten receipt was issued.
So if I had a cheque for £10k I would certainly know which bank it was drawn on and the name of the person issuing it.
OP seems not to have much information about this mysterious car buyer.
It could be that the cheque was left on a photocopier, in an interview room or never existed.
If it was me selling a car I would know everything from inside leg measurement to name and address and would get a new cheque for the ''lost'' one.
Personally even if OP goes to Ombudsman she has a 0% of winning - but let her try. The bank will not fork out for this in any way - It is my feeling that OP has been fleeced by a fraudster (and it is not the bank).

Goldiegirl

The OP must be a male - a woman wouldn't have been so careless with her adminstation!

Angrywithlloyds

Goldiegirl wrote: »

The OP must be a male - a woman wouldn't have been so careless with her adminstation!

Thanks for your vote of confidence, but is am a she!

Angrywithlloyds

BillJones wrote: »

No, not the only thing. You've made a fair string of mistakes yourself, all of which will make it far harder for you to resolve this.

Is this the first time that you've ever sold a car?

Also, I don't know if you've already said, but did the paying-in slip not list the supposed number of cheques?

Yes, first time I have sold a car, and the paying in stub I have from the bank lists SEVEN cheques.

Angrywithlloyds

pmduk wrote: »

I've never paid this value of cheques into my account, but I reckon I'd have photocopied them first.

I have never done this with any cheques I have ever paid in, and assumed that as they were being handed to a person, there wouldn't be an issue.

Would consider photocopying bank notes if you were paying in cash?

Angrywithlloyds

Goldiegirl wrote: »

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.

I was told by two people that the money was there. Would you not believe someone from the bank, it they told you the same thing?

Angrywithlloyds

BillJones wrote: »

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

Yes SHE has!