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Cheque I lodged bounced - what's next?

  • 16-10-2020 10:26am
    #1
    Pen Rua
    Registered Users, Registered Users 2 Posts: 2,055 ✭✭✭


    I lodged a cheque the other week and a couple of days later UNPAID 9 was showing on my account, with a outflow for the same amount as the cheque that had been lodged. 

    I queried this with Twitter Support and they said it's likely a bounced cheque. 

    What happens next? Does this cheque get returned to me? If so, how long will it take?


Comments

  • #2
    Allinall
    Registered Users, Registered Users 2 Posts: 7,003 ✭✭✭Allinall


    You need to contact the person who gave you the cheque.

    It's either the case that there was not enough money in their account to cover the cheque, or they cancelled it.

    The cheque won't get returned to you.


  • #3
    Pen Rua
    Registered Users, Registered Users 2 Posts: 2,055 ✭✭✭Pen Rua


    Allinall wrote: »
    You need to contact the person who gave you the cheque.

    It's either the case that there was not enough money in their account to cover the cheque, or they cancelled it.

    The cheque won't get returned to you.
    Hm, ok - that's a little awkward. It was a wedding gift from my wife's boss. One would think they would have the balance to cover the cheque they gave us. 

    Is there any other reason the cheque may have been refused?


  • #4
    thomas 123
    Registered Users, Registered Users 2 Posts: 2,900 ✭✭✭thomas 123


    Pen Rua wrote: »
    Allinall wrote: »
    You need to contact the person who gave you the cheque.

    It's either the case that there was not enough money in their account to cover the cheque, or they cancelled it.

    The cheque won't get returned to you.
    Hm, ok - that's a little awkward. It was a wedding gift from my wife's boss. One would think they would have the balance to cover the cheque they gave us. 

    Is there any other reason the cheque may have been refused?
    Loads of potential reasons.

    https://www.elearnmarkets.com/blog/12-reasons-for-dishonour-of-cheque/ Best short list I could find. 


  • #5
    Kalimah
    Registered Users, Registered Users 2 Posts: 1,323 ✭✭✭Kalimah


    Pen Rua wrote: »
    Hm, ok - that's a little awkward. It was a wedding gift from my wife's boss. One would think they would have the balance to cover the cheque they gave us. 

    Is there any other reason the cheque may have been refused?

    You will get the cheque back with an answer usually stamped across the top. Refer to drawer is no funds in the account. Unsigned or amounts differ is self explanatory. If it was a joint or company account it might require one or more signatures. They might have drawn the cheque on an account that was now closed or even from a cheque book that had been reported missing. No way to know until you get the cheque back


  • #6
    Pen Rua
    Registered Users, Registered Users 2 Posts: 2,055 ✭✭✭Pen Rua


    Kalimah wrote: »
    Pen Rua wrote: »
    Hm, ok - that's a little awkward. It was a wedding gift from my wife's boss. One would think they would have the balance to cover the cheque they gave us. 

    Is there any other reason the cheque may have been refused?

    You will get the cheque back with an answer usually stamped across the top. Refer to drawer is no funds in the account. Unsigned or amounts differ is self explanatory. If it was a joint or company account it might require one or more signatures. They might have drawn the cheque on an account that was now closed or even from a cheque book that had been reported missing. No way to know until you get the cheque back
    So does the cheque come back to me? Allinall says it wont? 


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  • #7
    Allinall
    Registered Users, Registered Users 2 Posts: 7,003 ✭✭✭Allinall


    Pen Rua wrote: »
    Kalimah wrote: »
    Pen Rua wrote: »
    Hm, ok - that's a little awkward. It was a wedding gift from my wife's boss. One would think they would have the balance to cover the cheque they gave us. 

    Is there any other reason the cheque may have been refused?

    You will get the cheque back with an answer usually stamped across the top. Refer to drawer is no funds in the account. Unsigned or amounts differ is self explanatory. If it was a joint or company account it might require one or more signatures. They might have drawn the cheque on an account that was now closed or even from a cheque book that had been reported missing. No way to know until you get the cheque back
    So does the cheque come back to me? Allinall says it wont? 
    Apologies Pen Rua. I got that wrong.

    As kalimah said, the cheque will come back to you and should have a reason as to why it was unpaid.


  • #8
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    Pen Rua wrote: »
    I lodged a cheque the other week and a couple of days later UNPAID 9 was showing on my account, with a outflow for the same amount as the cheque that had been lodged. 

    I queried this with Twitter Support and they said it's likely a bounced cheque. 

    What happens next? Does this cheque get returned to me? If so, how long will it take?
    Hi Pen Rua,

    Thanks for getting in touch with us today. We're sorry to hear that this was returned unpaid. You can certainly find out more information on this by logging in on 365online.com and selecting "service desk" > "ask a question". One of our colleagues will be happy to look into this further for you.

    Thanks,
    Richard


  • #9
    Pen Rua
    Registered Users, Registered Users 2 Posts: 2,055 ✭✭✭Pen Rua


    Bank of Ireland: Richard F wrote: »
    Pen Rua wrote: »
    I lodged a cheque the other week and a couple of days later UNPAID 9 was showing on my account, with a outflow for the same amount as the cheque that had been lodged. 

    I queried this with Twitter Support and they said it's likely a bounced cheque. 

    What happens next? Does this cheque get returned to me? If so, how long will it take?
    Hi Pen Rua,

    Thanks for getting in touch with us today. We're sorry to hear that this was returned unpaid. You can certainly find out more information on this by logging in on 365online.com and selecting "service desk" > "ask a question". One of our colleagues will be happy to look into this further for you.

    Thanks,
    Richard
    Thanks, Richard - I've raised a query via 365.


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