Multiple Credit Cheques received

[Deleted User]

BethRobinson69 said:

Deleted_User said:

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.

Quite a jump lol, fraud by false representation is a criminal offence, even the lowest category (under £5000 stolen - because knowingly cashing cheques sent in error is theft) with least impact results in a criminal record, fine and medium level community order. Similarly, taking the money, the bank will happily demand it back and failure to pay can result in a CCJ

WillPS

Deleted_User said:

BethRobinson69 said:

Deleted_User said:

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.

Quite a jump lol, fraud by false representation is a criminal offence, even the lowest category (under £5000 stolen - because knowingly cashing cheques sent in error is theft) with least impact results in a criminal record, fine and medium level community order. Similarly, taking the money, the bank will happily demand it back and failure to pay can result in a CCJ

How do you perceive this to be false representation?

It's a bank error. They're entitled to prevent any erroneous cheques from being processed and/or ask for their money back.

[Deleted User]

WillPS said:

Deleted_User said:

BethRobinson69 said:

Deleted_User said:

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.

Quite a jump lol, fraud by false representation is a criminal offence, even the lowest category (under £5000 stolen - because knowingly cashing cheques sent in error is theft) with least impact results in a criminal record, fine and medium level community order. Similarly, taking the money, the bank will happily demand it back and failure to pay can result in a CCJ

How do you perceive this to be false representation?

It's a bank error. They're entitled to prevent any erroneous cheques from being processed and/or ask for their money back.

Deliberately cashing 10 cheques they know have been issued in error for 1 refund and by the sounds of it, spending the money too hence they are worried about not being able to repay. I am not saying they would be prosecuted, just that can be, but the bank coming after them and obtaining a CCJ is certainly not unrealistic

IanManc

Deleted_User said:

How do you perceive this to be false representation?

It's a bank error. They're entitled to prevent any erroneous cheques from being processed and/or ask for their money back.

Deliberately cashing 10 cheques they know have been issued in error for 1 refund and by the sounds of it, spending the money too hence they are worried about not being able to repay. I am not saying they would be prosecuted, just that can be, but the bank coming after them and obtaining a CCJ is certainly not unrealistic

The OP said "I have paid them all in but am worried to spend in case they ask for the money back" so clearly hasn't spent the money and has never said they are worried about being able to repay. Nor have they said they "know" that the cheques have been sent in error, but what they actually have done is contact the company to enquire about them and are awaiting its response, which indicates that they are not exhibiting the dishonesty which is an essential element of an offence of fraud..

Seeing they have the money available to repay and they have informed the company of the situation and are waiting for their reply, the chances of being on the receiving end of a CCJ or being prosecuted for fraud are zero.