Bank accepted post-dated cheque

Valli

My son's birthday is the 25th of the month, co-incidentally that's that day I get paid.
He is at Uni so I sent his birthday card, with a cheque in. Dated the 25th. Looking at my statement that cheque left my account on the 23rd!

As it happens I didn't go overdrawn but I'm less than impressed that they processed the cheque early!

I'm also not impressed that he opened his card early...

Turtle

There's never a guarantee a post dated cheque won't go through early, the dates aren't read by the machines. Normally it's in the T&C you shouldn't issue them.

Agree he shouldn't have opened it early though!

YorkshireBoy

Valli wrote: »

I'm also not impressed that he opened his card early...

He's almost certainly similarly unimpressed that his parent didn't want him to have his birthday present until the 30th, ie nearly a week later!...and that's if he could get to the bank tomorrow to pay it in!

Maybe he wanted to teach you a lesson?

However, he still hasn't got his birthday present, because the cheque value won't clear until Tuesday 27th.

All based on his birthday being today.

shortcrust

From Santander. I guess others have similar:

8.15 You may not issue post dated cheques. If You do issue one and the payee presents it for payment before the date on the cheque, we cannot guarantee that the cheque will not be paid. If it is paid, we will debit the amount of the cheque from Your Account.

YorkshireBoy

shortcrust wrote: »

From Santander. I guess others have similar:

And from the Post Office, with a sting in the tail...

Post-dated cheques
[FONT=Proba Pro,Proba Pro][FONT=Proba Pro,Proba Pro]You must not issue post-dated cheques (that is, cheques with a future date on). If you put a future date on a cheque we may still pay it before the date on the cheque. If this happens, we will not pay you for any loss that you suffer as a result.

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SnowTiger

Cheque? Wow.

Why not send the money via Faster Payments or Paym instead?

Then you would have control over when it left your account.

Archi_Bald

YorkshireBoy wrote: »

And from the Post Office, with a sting in the tail...

Similar at TSB

You may not ask us to pay a cheque later than when we receive it by writing a future date on it. We will not be liable if we pay the cheque before that future date. You can instead use Telephone Banking or Internet Banking to tell us to make a payment on a future date

And here is an article from as far back as 2004 which says if you are hoping to defer a payment, do not do it with a cheque. So nothing that was recently changed.

Valli

SnowTiger wrote: »

Cheque? Wow.

Why not send the money via Faster Payments or Paym instead?

Then you would have control over when it left your account.

I send most payments by transfer; but when it comes to gifts I usually still use cheques.

Still, now I know that banks ignore the date, I will be more careful! I wasn't hoping to defer the payment and, had his birthday not been the same as payday I probably wouldn't even have realised it had gone out early!