Npower Refund by cheque?

JournalGirl

postcode wrote: »

Does anyone know how long a cheque form Npower is valid for? I just found my refund from August last year, didn't get around to cashing it in at the time because I had moved and there was no branch of my bank in my new town...

Cheques (from anyone) are usually valid for 6 months. You may need to request to be re-issued.

footyguy

Is it true that a cheque is only valid for six months?

A cheque is valid for as long as the debt between the two parties (i.e. issuer and payee) exists. In other words, cheques do not have an expiration date.

Notwithstanding the above, it is common banking practice to reject a cheque presented for payment bearing a date more than six months earlier to protect the payer, on the basis that payment may already have been made by some other means or the cheque may have been lost or stolen. However this is at the discretion of individual banks.

However, where there is a dispute, a cheque remains legally valid in order to prove a debt for a period of six years, which is the Statute of Limitations.

http://www.paymentscouncil.org.uk/payment_advice/key_payment_questions/

As JournalGirl says, you may need to request it is re-issued (or otherwise endorsed).

If there is no local branch of your bank, you should be able to pay it into your bank at a local Natwest branch (assuming that is who nPower still use as cheque issuer) ... assuming it isn't Natwest you bank with too.

postcode

Thank you, footyguy and JournalGirl, I will request a re-issuing of the check. I was not aware you could pay into your account from a branch of the bank that issues the check, so that was useful information!