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Multiple Credit Cheques received

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I recently had a communication from Amex to say I was entitled to a credit refund on my closed AMEX account and confirming where it was to be sent.  I phoned AMEX independently to the link to check it was legitimate and they confirmed and arranged to send me a cheque, I have now received about 10 cheques for the same amount, I have paid them all in but am worried to spend in case they ask for the money back.  Any thoughts?
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Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Give them a call to clarify the position but be prepared to repay it shortly.
  • NoodleDoodleMan
    NoodleDoodleMan Posts: 4,252 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Retaining funds you are not entitled to is fraud.
    How much were you owed by Amex and how much did they send you ?
  • Brie
    Brie Posts: 14,584 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I agree that you should set aside the money to pay back should they discover it's an error.  But if it is tiddly amounts or nice round ones (e.g. £10) they are unlikely/unable to track it or be concerned.  Chances are they would say it costs more to process you returning it then it is worth to them.

    Personally I wouldn't waste time calling them.  I'd send them an email and then wait for them to reply, assuming they ever do.
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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 8 July 2022 at 2:30PM
    A printing error where you were entitled to 1 cheque and got 10, then banking all 10 is very silly Not only is it fraud, the firm will be more than happy to obtain a CCJ against you, CCJ and a criminal conviction is not really the best thing to do is it?
  • DE_612183
    DE_612183 Posts: 3,711 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    you do need to check - it's not unheard of for firms to pay more than one amount pout as part of a rectification programme - 2/3 would be ok, 10 seems to be a bit strange.

    It may take a while for a reconciliation process to catch up and find the error, but the fact that you've cashed them means it probably will and they will ask for the money back. 
  • Nats074
    Nats074 Posts: 2 Newbie
    First Post
    Thanks all, I have emailed them now, at least it will stop me worrying
  • A printing error where you were entitled to 1 cheque and got 10, then banking all 10 is very silly Not only is it fraud, the firm will be more than happy to obtain a CCJ against you, CCJ and a criminal conviction is not really the best thing to do is it?
    That's quite a jump.
  • Robbie64
    Robbie64 Posts: 2,166 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You might find that 9 or even all 10 cheques "bounce". It's possible that AMEX might have put a stop on any or all of the cheques. You could tell them you banked all 10 as you didn't know which cheque was the correct one. But obviously you will need to pay back any sum that clears in excess what you were owed.
  • binao
    binao Posts: 666 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    A printing error where you were entitled to 1 cheque and got 10, then banking all 10 is very silly Not only is it fraud, the firm will be more than happy to obtain a CCJ against you, CCJ and a criminal conviction is not really the best thing to do is it?
    That's quite a jump.
    Do a runner.!!?
  • NoodleDoodleMan
    NoodleDoodleMan Posts: 4,252 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Nats074 said:
    Thanks all, I have emailed them now, at least it will stop me worrying
    Correct move.
    I would suggest only cashing the one cheque, assuming it's for the correct amount owed to you.

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