Undeposited Cheque (UK)
I am a Halifax Ultimate Reward account customer. Back in 2011 (July 2011), Halifax Travel Claims Department issued a cheque to me as settlement for my travel insurance claim. It is a significant amount of money (a few hundreds). I miss placed it and forgotten to cash in the cheque.
During the lockdown period, I was going through old files and documents I have found this cheque and contacted the Halifax.
They have asked me to contact their travel insurance provider Axa Insurance, and Axa said, they cannot help me as they were not the provider at the time and directed me to a third-party company who act as an intermediate between Halifax customers and previous travel insurance provider. I contacted the third-party company and they then contacted the previous travel insurance provider. The previous insurer responded to them and said they do not have any record of the claim as they have delated the old records (over 6 yrs) and will not bel able to re-issue the cheque.I have then contacted the Halifax as I my custom is with them and requested them to help me on this. However, Halifax now come back and said, they will not be able to re-issue the cheque and their response is mix depend who you talk at a given time. My question what are my options? Should I be punish for a genuine mistake? Should not Halifax help me on this?
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i don’t even think you’ll have recourse to go to FOS if you escalate a complaint.
it's spelt d-e-f-i-n-i-t-e-l-y
there - 'in or at that place'
their - 'owned by them'
they're - 'they are'
it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
It would be the same if you owed them some money and they forgot to collect it.
One of the Personal Relationship Manager sounded, it is still should be valid and bank should re-issue it but Halifax is not willing to communicate with the insurance provider and press them to re-issue a new cheque. In fact it is come from Halifax not from the insurance company.
Some reason I believe, I should press and entitle for them to re-issue the cheque. Still have bit of hope.
You do realise that most bank staff on the front line are pretty low qualified and have no understanding of how things actually work. A shame as 30 years ago, bank staff were very well trained and had to pass banking exams (which included aspects of law and accountancy) to progress beyond assistant manager grade.