Do cheques go out of date?
It is the practice of banks in the Republic of Ireland to decline cheques dated six months (or more) earlier than the date of lodgement.
It was a small amount but when I rang the bank I was told it was one of my cheques issued in 2002. The scanned image showed an old bank stamp on it. From what I gather so far it was not the company to whom it was payable to who lodged it recently but it was done internally by the bank
They are investigating it but I am really annoyed that something like this could happen.
For every debit there must be a credit. You cannot just find a cheque behind a cupboard and introduce it in to the system because it would throw out the day's balancing by that amount.
Smaller cheques are not checked by individuals for errors. The cut off point for examining cheques in value terms varies from day to day.
I would have thought that even the "look" of your cheque has changed and would stand out.
The business branch here could bring up the scanned image and they asked me to contact the fraud department who in turn could NOT bring up the scanned image!
I take it if I don't get any result from the fraud department in a week or two I can write to the ombudsman?
I haven't a clue Seagull, it was a ridiculous system. The business branch here could bring up the scanned image and they asked me to contact the fraud department who in turn could NOT bring up the scanned image! So he didn't really understand what the problem was. Why the business branch could not deal with the entire matter I don't know!!
Hold on a minute, why would you go complaining about fraud??? Remember the objective - why did they process a cheque that was 12 years old. That is your complaint, you don't really care what they got up to internally, that is their problem to sort out not yours!
Keep it simple - they processed a cheque that was well out of date, now you require them to explain themselves and to revert the transaction as they had no right to process it. There has been no fraud committed on you, do not let them send you off on a tangent.
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