Wrong Name on Cheque - has it happened to you?

davisjj

I made a claim on the Nationwide for £2577 which they refused so I started proceedings through MCOL.

While we were away on holiday we recieved three cheques, 2 for £999 each and 1 for for £746. The Nationwide sent a letter advising that they have calculated the amount to be £2698 and that the payment was settlement in full.

However the cheques were made out to the wrong name, they had put an extra "E" in my surname. My Bank wouldn't accept them and I queried it at my local Nationwide branch, they too said they wouldn't accept them either.

So I sent the cheques back to the Nationwide requesting replacement cheques within 7 days by Recorded Delivery.

Nothing arrived, so I phoned them and was advised that they had received the letter but the person who signed for them wasn't at work, they would phone back the next day.

No calls - so I rang again and they had received the cheques but they didn't know where they were so I gave them the cheque numbers and amounts. I was told that they would stop the cheques and send out replacements.

Nothing arrived - so I rang again but the person who was arranging it was on holiday, however they looked into it and the first cheques had never been stopped and replacements hadn't been sent out.

I told the person at the Nationwide that I had to respond back to the Courts by the following day and if I didn't received the replacements by the next day I would have to proceed with the Court case, I was told that if I did that then they wouldn't send out the replacement cheques.

So here we are - the case has been transferred to Southend court and I am waiting a hearing date.

The way I see it is that the Bank has admitted it was wrong by sending out the cheques in the first place.

Am I right and what happens next?

Thanks,

Jerry

Twinkly

davisjj wrote: »

I made a claim on the Nationwide for £2577 which they refused so I started proceedings through MCOL.

While we were away on holiday we recieved three cheques, 2 for £999 each and 1 for for £746. The Nationwide sent a letter advising that they have calculated the amount to be £2698 and that the payment was settlement in full.

However the cheques were made out to the wrong name, they had put an extra "E" in my surname. My Bank wouldn't accept them and I queried it at my local Nationwide branch, they too said they wouldn't accept them either.

So I sent the cheques back to the Nationwide requesting replacement cheques within 7 days by Recorded Delivery.

Nothing arrived, so I phoned them and was advised that they had received the letter but the person who signed for them wasn't at work, they would phone back the next day.

No calls - so I rang again and they had received the cheques but they didn't know where they were so I gave them the cheque numbers and amounts. I was told that they would stop the cheques and send out replacements.

Nothing arrived - so I rang again but the person who was arranging it was on holiday, however they looked into it and the first cheques had never been stopped and replacements hadn't been sent out.

I told the person at the Nationwide that I had to respond back to the Courts by the following day and if I didn't received the replacements by the next day I would have to proceed with the Court case, I was told that if I did that then they wouldn't send out the replacement cheques.

So here we are - the case has been transferred to Southend court and I am waiting a hearing date.

The way I see it is that the Bank has admitted it was wrong by sending out the cheques in the first place.

Am I right and what happens next?

Thanks,

Jerry

The bank is at fault here and you are not responsible for the level of incompetence displayed. I have seen these tactics on the forum previously and it seems to be yet another example of the banks stalling for time. They are relying on your good nature to allow them to correct their deliberate mistakes and you are incurring costs in chasing up the matter.

The onus is on them to issue the correct cheques before the hearing. Let them panic about how they do so. You dont have to put up with their shenanigans and can simply allow the court claim to run its course as, technically, they havent settled your claim yet.

As for the amount that they state is full and final settlement, I would check that they have included all charges & interest & costs before accepting