Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • F2KSel
    • By F2KSel 10th Aug 18, 11:39 AM
    • 16Posts
    • 2Thanks
    F2KSel
    Cheque cashed but they say they've not had it
    • #1
    • 10th Aug 18, 11:39 AM
    Cheque cashed but they say they've not had it 10th Aug 18 at 11:39 AM
    Hi, I sent a cheque to SAGA SERVICES LIMITED they claim not to have received it and nothing shows on their system.


    I've had a trace run on the cheque.
    The cheque hasn't been altered other than some bank Stamps.


    On the front there is a NAT WEST stamp with PO Box Number and sort code.


    On the back there is more info but the only thing I can decipher is the DATE and LLOYDS IN The cheque was issued from my TSB account.

    I tried entering the numbers in a sort code search but get nothing.



    I really don't know where to go from here, does anyone have any advice?


    Thanks for reading.
Page 1
    • Ballard
    • By Ballard 10th Aug 18, 11:53 AM
    • 2,069 Posts
    • 1,944 Thanks
    Ballard
    • #2
    • 10th Aug 18, 11:53 AM
    • #2
    • 10th Aug 18, 11:53 AM
    I would send a copy of the front and back of the cheque to the payee and ask them to query it with their bank. It should quickly become clear that youve paid.
    I got a letter from the government the other day. I opened it and read it. It said they were suckers.
    • F2KSel
    • By F2KSel 10th Aug 18, 1:05 PM
    • 16 Posts
    • 2 Thanks
    F2KSel
    • #3
    • 10th Aug 18, 1:05 PM
    • #3
    • 10th Aug 18, 1:05 PM
    Cheers, I just went back to my bank who insist it was cashed by SAGA as that's the name on the front and cleared through NW, they made a copy of the cheque front and back to send to SAGA.



    I called SAGA and offered to send the copy but they say they don't need it yet and will contact their bank and chase it up with them.


    They say unless there's a problem I should receive a cheque in the post.


    I'm not convinced but I guess I'll have to give them a week before anything happens.



    Thanks for the reply
    • xylophone
    • By xylophone 10th Aug 18, 4:41 PM
    • 26,923 Posts
    • 16,071 Thanks
    xylophone
    • #4
    • 10th Aug 18, 4:41 PM
    • #4
    • 10th Aug 18, 4:41 PM
    They say unless there's a problem I should receive a cheque in the post.
    I don't quite understand. Did you make a second payment when Saga advised that they had not received your first cheque?
    • McKneff
    • By McKneff 10th Aug 18, 4:48 PM
    • 36,185 Posts
    • 46,653 Thanks
    McKneff
    • #5
    • 10th Aug 18, 4:48 PM
    • #5
    • 10th Aug 18, 4:48 PM
    Why are you receiving a cheque in the post
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
    • Heng Leng
    • By Heng Leng 11th Aug 18, 10:13 AM
    • 4,632 Posts
    • 1,475 Thanks
    Heng Leng
    • #6
    • 11th Aug 18, 10:13 AM
    • #6
    • 11th Aug 18, 10:13 AM
    The sort code stamped on the front may just be a processing centre or similar.

    There should be a long line of numbers (printed on the back) that should include the sortcode and account number of the payee - NatWest sortcodes usually begin 01, 50 or 60.
    • F2KSel
    • By F2KSel 11th Aug 18, 12:58 PM
    • 16 Posts
    • 2 Thanks
    F2KSel
    • #7
    • 11th Aug 18, 12:58 PM
    • #7
    • 11th Aug 18, 12:58 PM
    I don't quite understand. Did you make a second payment when Saga advised that they had not received your first cheque?
    Originally posted by xylophone

    Yes I paid using my card.
    • F2KSel
    • By F2KSel 11th Aug 18, 1:01 PM
    • 16 Posts
    • 2 Thanks
    F2KSel
    • #8
    • 11th Aug 18, 1:01 PM
    • #8
    • 11th Aug 18, 1:01 PM
    The sort code stamped on the front may just be a processing centre or similar.

    There should be a long line of numbers (printed on the back) that should include the sortcode and account number of the payee - NatWest sortcodes usually begin 01, 50 or 60.
    Originally posted by Heng Leng

    There are numbers on the back but when I tried to enter them on online checker nothing is found.


    One set of numbers is hard to read as it's stamped right over my insurance account number that you have to write on the back of the cheque.
    • Armorica
    • By Armorica 19th Aug 18, 1:52 AM
    • 738 Posts
    • 553 Thanks
    Armorica
    • #9
    • 19th Aug 18, 1:52 AM
    • #9
    • 19th Aug 18, 1:52 AM
    The numbers on the front are usually where the cheque was paid in.

    The numbers on the back are usually automated processing information.

    It's anything on the front you need to focus on - if the cheque had bounced, this is how your bank would know how to tell Saga's bank.
    • F2KSel
    • By F2KSel 31st Aug 18, 11:50 AM
    • 16 Posts
    • 2 Thanks
    F2KSel
    I've been away for a couple of weeks but as I thought nothing from SAGA.


    I just contacted the Financial Ombudsman, they gave me an address to send a letter and all the information too, they should respond with a letter stating they never received it and if they don't reply I have to give them eight weeks before the Ombudsman can take it further.
    • POPPYOSCAR
    • By POPPYOSCAR 31st Aug 18, 12:06 PM
    • 11,470 Posts
    • 24,739 Thanks
    POPPYOSCAR
    Have you told Saga you want to make a formal complaint?

    We got nowhere until we did this with them.

    Long story but at renewal one minute we were insured then we were not so we got insurance somewhere else. They then took payment and issued a policy!!

    We had to get them to listen to the calls we had made.

    We got our money back with a small amount of compensation.

    Their admin is useless we would never take out a policy with them again.
    • F2KSel
    • By F2KSel 2nd Oct 18, 2:21 PM
    • 16 Posts
    • 2 Thanks
    F2KSel
    I seem to have it sorted now, SAGA have refunded the money although they can't offer any explanation of how it happened.


    I will change as soon as possible but it's not easy right now as we made a claim a few years back (not our fault) and other insurance companies don't want to know. I also work from home.


    Cheers Sel.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

526Posts Today

5,736Users online

Martin's Twitter