Tracing a cheque and recepient

brokennotbent

This is an award situation as it involves family members (of the non-divorceable type), hence why I'm "thinking out loud" on here and trying to envisage possible scenarios before opening a can of worms which cant then be resealed.
So...if a cheque has been cashed and cleared, so I cant put a stop on it, is there any comeback/traceability. Can the issuing bank (Santander if that's relevant) find and disclose where it was paid in, account number, track the payer in etc. Or is that subject to confidentiality etc etc so basically if the "recipient" has paid it in and then withdrawn it (?closed that account) then they're gone for good?

agrinnall

I'm not sure what you're hoping to achieve even if you can find out this sort of information, if the money has gone from your account then it's gone for good. You have no call on that money unless the cheque was fraudulently cashed, in which case you'd have to get the police involved.

brokennotbent

How can it be proven to be "fraudulently cashed" i.e. how can you prove a cheque was stolen? Back to my original question, is the account where it ended up traceable and therefore find the person with or without involving the police?

grumbler

I am pretty sure banks can trace cheques, not for free though.

If a blank cheque was stolen, then the signature will prove that it was forged.

Archi_Bald

https://www.citizensadvice.org.uk/debt-and-money/banking/cheques/#h-lost-or-stolen-cheques-or-cheque-books

ERICS_MUM

If a cheque has been paid into an account where the name of that account is different from the payee of the cheque, it's the bank/branch where that account is held that needs to investigate.

Your bank can trace the trail of the cheque from your account to the account into which it was paid.

brokennotbent

No it was/will be made out to the account it was paid into, and yes it was a blank cheque but it would be a good copy of my signature. So will the receiving bank give over the account details or is that confidential etc, thinking, even with police, I can allege anything but how to prove?

grumbler

How can it be confidential if it was you who allegedly wrote the cheque?

I can be wrong, but my understanding is that your bank has to have a copy of the cheque with all details and the signature.

luvchocolate

Your bank will be able to issue a copy of the cheque, I provided Barclays with the cheque no from 5 years previously and received the copy...no problem at all.

agrinnall

Perhaps if you explain what the issue is and what you are hoping to achieve you might get some more specific suggestions as to the best way to proceed.

grumbler

I think it's pretty clear.
A 'family member' took (stole) a blank cheque, filled it in, forged a signature, deposited the cheque to his/her bank account, then withdrew the money.