Joint cheque but wife has passed away.

eskbanker

teddysmum wrote: »

The cheque could be from someone wanting to play a nasty prank, hoping the cheque will be banked and it's value spent, only for the recipient to find that the cheque bounced , but they had spent their money ( assuming sufficient funds to be available from the account ).

What on earth makes you suggest something as far-fetched as that?!

Quite apart from the time taken for banks to clear cheques, what would anyone have to gain by perpetrating something like that?

I really hope nobody is going to come up with a link evidencing that this has happened in the real world....

PeacefulWaters

Sounds like a matured term deposit that wasn't picked up when winding up the estate.

I'd return the cheque with the death certificate and ask them to redraw it in sole name.

agrinnall

teddysmum wrote: »

The cheque could be from someone wanting to play a nasty prank, hoping the cheque will be banked and it's value spent, only for the recipient to find that the cheque bounced , but they had spent their money ( assuming sufficient funds to be available from the account ).

You're living in fantasy land if you think a prankster would be able to create a cheque drawn on an account of a major company without going to a huge amount of trouble for zero return. I think you need to cut down on the lunchtime boozing :beer:.

whitewing

I would try googling the 6 digit sortcode of the bank the cheque is drawn on (should be on the bottom line of the cheque) and see what/if a phone number comes up against that. Then give them a call.

Westie983

You would need to get the cheque sent back to the original provider and get them to change it into just your name, your account is now in sole name so cant pay a joint cheque into it.

You would find this is the same for any amount not just for 2k.

The same procedure for accounts with changed names due to marriage and joint accounts with partners/marriages that have broken down, or new marriages, you need a joint account to credit a cheque in joint names.

You will need to let this company know, especially if there will be any further payments that may be received in the future.

No mention of the company but there must be a contact details on paperwork and or the internet website.

Westie983

teddysmum

agrinnall wrote: »

You're living in fantasy land if you think a prankster would be able to create a cheque drawn on an account of a major company without going to a huge amount of trouble for zero return. I think you need to cut down on the lunchtime boozing :beer:.

Sorry to disappoint you, but I don't drink alcohol.


My whole point is that the cheque is not from a genuine company (major or otherwise), but a computer generated fraud, a major company name making it seem genuine (like the emails people are getting 'from their bank'), just requiring presentation and rejection; the object being to get the recipient to spend their 'windfall' and there are some twisted people about who will go to stupid lengths.



OK this is an extreme possibility, but....

eskbanker

teddysmum wrote: »

My whole point is that the cheque is not from a genuine company (major or otherwise), but a computer generated fraud, a major company name making it seem genuine (like the emails people are getting 'from their bank'), just requiring presentation and rejection; the object being to get the recipient to spend their 'windfall' and there are some twisted people about who will go to stupid lengths.

But the whole point of the phishing emails you refer to is that they're a way of capturing login details in order to access the recipient's money, i.e. there is a real motive. In your rather contrived scenario there would appear to be no motive other than sheer malice - how would anyone benefit from getting the recipient to spend their 'windfall'?

Westie983

teddysmum wrote: »

Sorry to disappoint you, but I don't drink alcohol.


My whole point is that the cheque is not from a genuine company (major or otherwise), but a computer generated fraud, a major company name making it seem genuine (like the emails people are getting 'from their bank'), just requiring presentation and rejection; the object being to get the recipient to spend their 'windfall' and there are some twisted people about who will go to stupid lengths.



OK this is an extreme possibility, but....

Not as extreme as you think, think of a cheque drawn on a company that you recognise, you incashe the cheque and you are given access to the funds within four working days of its being presented, you then spend the cash, on a holiday or whatever you decide.

The bank then recalls the cheque on day five because its been classed as a fraudulent cheque or recalled by the company, you have spent the money and are now overdrawn and are attracting fees from your bank, who is the one out of pocket for not checking?

Why funds deposited by cheque are not yours to spend till day six of processing.

If this happens after day six then money can not be recalled from your account.

pinkteapot

teddysmum wrote: »

Surely a 'major' company would not just send an unexpected payment without explanation.

I once had a large cheque out of the blue from HMRC.

The explanatory letter arrived a week later. :huh: