Bounced Cheque - £25 charge - A&L

[Deleted User]

On the 14th November a cheque that I had paid out for over £1000 bounced. On the same day a cheque I had deposited a few days before into the account to cover the cheque going out had cleared. If I ring my bank, A&L, and explain the oversight are they likely to refund the £25 charge?

This is the first charge ever that I've had since I started banking with A&L 2 year ago.

On the 15th I issued a new cheque of over £1000 to the company who recieved the bounced cheque from me. Then today I got a letter from A&L saying that the "presenting bank has been asked to re-present the cheque to us in a few days". Does this mean I'm going to end up paying this company twice? Only there is not enough funds in the account to cover two £1000 cheques therefore me getting another £25 charge. Should I of asked for the bounced cheque back from the company first before issuing a new one?

dalliance

I've also incurred one charge from A&L in my two years with them. My fault, I got the dates confused, but they waived the charge when I rang them as it was my first 'offence'. There's nothing to lose by asking the question.

Mikeyorks

Go with the advice in the previous post ... as regards the charges.

Does this mean I'm going to end up paying this company twice?

Yes - that's exactly what you're on track to do. Contact them and ask they destroy the latest cheque .... as they have a re-presentation policy with their Bankers, they shouldn't object. And / or ..... put a Stop on it with your Bank.

[Deleted User]

Mikeyorks wrote: »

Go with the advice in the previous post ... as regards the charges.



Yes - that's exactly what you're on track to do. Contact them and ask they destroy the latest cheque .... as they have a re-presentation policy with their Bankers, they shouldn't object. And / or ..... put a Stop on it with your Bank.

Damn. They were pretty hot off the press to deposit the first cheque so I'm sure they would of already of deposited the 2nd cheque.

[Deleted User]

Just phoned A&L and was told that they will not refund the charge unless it was a "bank error" and the guy just kept going on about the hight court test case or whatever. :mad:

Looks like I'm going to have to keep phoning.

Mikeyorks

Deleted_User wrote: »

.......... so I'm sure they would of already of deposited the 2nd cheque.

I'm assuming you issued the 2nd one (15th) by post. So the earliest it can hit your account is overnight between Mon 19th / Tue 20th. Which allows you Mon morning to ring them and, depending on response, then go on to place a Stop with your Bank. But make sure it's the replacement cheque you Stop (and you will need to talk nicely to your Bank to stop them imposing a charge - typically £7 - £10) - as the original cheque is with your creditors Bank for re-presentation. And your creditors won't be amused if that bounces a 2nd time

[Deleted User]

Mikeyorks wrote: »

I'm assuming you issued the 2nd one (15th) by post. So the earliest it can hit your account is overnight between Mon 19th / Tue 20th. Which allows you Mon morning to ring them and, depending on response, then go on to place a Stop with your Bank. But make sure it's the replacement cheque you Stop (and you will need to talk nicely to your Bank to stop them imposing a charge - typically £7 - £10) - as the original cheque is with your creditors Bank for re-presentation. And your creditors won't be amused if that bounces a 2nd time

The company was paid the cheque on the 15th by hand (local company). Phoned A&L early this morning to have the cheque stopped and they going to charge me £10 for this. Do you think if I ring back and ask nicely they will refund the £10 based on the situation?

I will phone my creditor on Monday morning and explain that the first cheque is being re-presented/needs to be re-presented.

Thanks