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Cheque lodged after 16 months

  • 12-07-2011 6:54am
    #1
    flower tattoo
    Registered Users, Registered Users 2 Posts: 553 ✭✭✭


    So basically I noticed a strange cheque debited from my account and after speaking to the bank they sent me a copy.
    It was originally dated march 2010 but the ten has been changed to 2011 by the person lodging it although it wasn't initialed.
    My problem is that although I accept I owed the money and it was never paid my financial situation has changed so much recently that the money was earmarked for bin & esb charges, which now aren't paid.
    I feel I have to let it go as I think the cheque was for school trips but I'm pissed off.


Comments

  • #2
    mconigol
    Registered Users, Registered Users 2 Posts: 1,583 ✭✭✭mconigol


    flower tattoo wrote: »
    So basically I noticed a strange cheque debited from my account and after speaking to the bank they sent me a copy.
    It was originally dated march 2010 but the ten has been changed to 2011 by the person lodging it although it wasn't initialed.
    My problem is that although I accept I owed the money and it was never paid my financial situation has changed so much recently that the money was earmarked for bin & esb charges, which now aren't paid.
    I feel I have to let it go as I think the cheque was for school trips but I'm pissed off.

    Cheques are suppose to expire after a couple of months (6 or 12) I think? Changing the date should be a big no no imo...doubt the bank should have honoured that one.


  • #3
    Jet Black
    Registered Users, Registered Users 2 Posts: 3,845 ✭✭✭Jet Black


    The cheque shouldn't have been honored. If it was altered without being signed its void. It's up to yourself what you want to do. You could make a complaint about it and see what happens. The money should rightfully be put back in your account.


  • #4
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    Call your bank and report it. It's fraud.

    Chq has to be presented with in six months. The chq could have been passed to a 3rd party so I'd not bother contacting the person you gave it to.

    You should get a refund ASAP. It's classified as an un authorised transaction and there is strict rules about it.


  • #5
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    Agree with others. report to your bank and see why they allowed it through. Any alternations need to be initialled otherwise cheque must be referred to drawer.


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