U
Uncle Peter
I've got a cheque here from an elderly lady dated Nov 13th 1940. Reckon the bank will accept it?
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D
David L. Martel
Peter,
If the check is actually from 1940 it will be rejected as a "stale"
check. The bank teller should have no difficulty recognizing the check as
quite old.
If the date on the check is just an error then it's hard to say whether
the teller will notice the problem. If the teller does, he should reject the
check and advise you to get a new check.
I'd gamble on the teller not noticing the date.
Good luck,
Dave M.
If the check is actually from 1940 it will be rejected as a "stale"
check. The bank teller should have no difficulty recognizing the check as
quite old.
If the date on the check is just an error then it's hard to say whether
the teller will notice the problem. If the teller does, he should reject the
check and advise you to get a new check.
I'd gamble on the teller not noticing the date.
Good luck,
Dave M.
U
Uncle Peter
Shouldn't the teller realise it's a mistake and just accept it? I mean if the date was 6 months ago, it could be an old cheque, and the person who wrote it should not be expecting it to be cashed, but clearly this cheque is not a 1940s cheque, so it's a mistake. We'll see....
Peter,
If the check is actually from 1940 it will be rejected as a "stale"
check. The bank teller should have no difficulty recognizing the check as
quite old.
If the date on the check is just an error then it's hard to say whether
the teller will notice the problem. If the teller does, he should reject the
check and advise you to get a new check.
I'd gamble on the teller not noticing the date.
Good luck,
Dave M.
B
Bod
Probably not:I've got a cheque here from an elderly lady dated Nov 13th 1940. Reckon
the bank will accept it?
A cheque is valid for as long as the debt between the two parties
(i.e. issuer and payee) exists. In other words, cheques don’t have an
expiration date. However, it is common banking practice to reject
cheques that are over six months old to protect the payer, in case the
payment has been made another way or the cheque may have been lost or
stolen.
D
David Woolley
Given the circumstances described, an alert bank might take this as anShouldn't the teller realise it's a mistake and just accept it? I mean
if the date was 6 months ago, it could be an old cheque, and the person
who wrote it should not be expecting it to be cashed, but clearly this
cheque is not a 1940s cheque, so it's a mistake. We'll see....
indication of dementia and start scrutinising all the lady's
transactions carefully.
N
Nightjar
Starting by rejecting this cheque, in case she didn't realise what sheGiven the circumstances described, an alert bank might take this as an
indication of dementia and start scrutinising all the lady's
transactions carefully.
was doing when she wrote it.
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F
Flop
If the cheque was for the sum of £20 15s 2p, the bank teller may notice.I've got a cheque here from an elderly lady dated Nov 13th 1940. Reckon
the bank will accept it?
N
Norman Wells
But not if it was for £20 15s 2d presumably.Flop said:If the cheque was for the sum of £20 15s 2p, the bank teller may
notice.
M
Mel Rowing
He certainly would since the sum would be £20 15s 2d !If the cheque was for the sum of £20 15s 2p, the bank teller may notice.
In any case the chances are that the account against which the cheque
was drawn no longer exists. When an account is closed, any cleared
cheques are first honoured from it. Others are referred to drawer.
Cheques are not drawn against banks but the accounts of customers, They
are instructions of a customer to his bank with regard to his account.
The bank will carry them out only if it is in a position to do so.
U
Uncle Peter
I assume "discretionary" includes cheques which have quite obviously been dated wrongly. If the cheque was really from 1940, it would look very old and yellow or tattered, and be of a completely different design.Probably not:
A cheque is valid for as long as the debt between the two parties
(i.e. issuer and payee) exists. In other words, cheques don’t have an
expiration date. However, it is common banking practice to reject
cheques that are over six months old to protect the payer, in case the
payment has been made another way or the cheque may have been lost or
stolen.
U
Uncle Peter
She does have dementia or something similar. She's not at all with it. That doesn't mean the bank should have any right to interfere, that's up to her relatives.Given the circumstances described, an alert bank might take this as an
indication of dementia and start scrutinising all the lady's
transactions carefully.
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U
Uncle Peter
I would only agree if it was a particularly large cheque. Giving her more things to do in an already difficult life is just mean.Starting by rejecting this cheque, in case she didn't realise what she
was doing when she wrote it.
U
Uncle Peter
She does often talk in shillings.If the cheque was for the sum of £20 15s 2p, the bank teller may notice.
U
Uncle Peter
Um, you're assuming this cheque was written in 1940?!He certainly would since the sum would be £20 15s 2d !
In any case the chances are that the account against which the cheque
was drawn no longer exists. When an account is closed, any cleared
cheques are first honoured from it. Others are referred to drawer.
Cheques are not drawn against banks but the accounts of customers, They
are instructions of a customer to his bank with regard to his account.
The bank will carry them out only if it is in a position to do so.
R
RobertL
I've got a cheque here from an elderly lady dated Nov 13th 1940. Reckon the bank will accept it?
I once found a cheque I had failed to pay in for nearly two years. I waited until just after it's second 'birthday' and paid it in with no trouble.
Robert
B
Bod
I think he meant the *2p* to be *2d*. The *d* being the old imperial money.She does often talk in shillings.
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D
David L. Martel
Peter
employed.
I'd still just present the check. There's a good chance the teller won't
notice the date. Clearly, you did not.
Good luck,
DaveM.
No. The teller should follow the bank's procedures if he wishes to remainShouldn't the teller realise it's a mistake and just accept it?
employed.
I'd still just present the check. There's a good chance the teller won't
notice the date. Clearly, you did not.
Good luck,
DaveM.
F
Frank Turner-Smith G3VKI
Also the amount to pay would be in Pounds, Shillings and Pence.I assume "discretionary" includes cheques which have quite obviously
been dated wrongly. If the cheque was really from 1940, it would look
very old and yellow or tattered, and be of a completely different design.
I once avoided a wheel clamp fee by writing last years date on the
cheque. The bank spotted it and returned the cheque. The wheel clamper
didn't have my address. Win, win.
Frank Turner-Smith
D
David Woolley
Banks have a duty of care only to accept instructions from people whoShe does have dementia or something similar. She's not at all with it.
That doesn't mean the bank should have any right to interfere, that's up
to her relatives.
have mental capacity. They are the first line of defence against fraud
by carers and dodgy tradesmen.
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M
Martin Brown
It will probably fail in clearing and if you are unlucky lock down her
account completely depending on how convincing her signature is compared
to the one that the bank holds on file.
You will find then that at some point her degraded signature or mistakes
made on cheques will trigger a failure and they will then bounce any and
all transactions until you register an LPA with them.
Even then after registering the LPA some banks can be complete bastards
and demand a letter from the GP *in addition* to the formal LPA.
account completely depending on how convincing her signature is compared
to the one that the bank holds on file.
They have a duty of care to her and as such will be cautious.She does have dementia or something similar. She's not at all with it.
That doesn't mean the bank should have any right to interfere, that's up
to her relatives.
You will find then that at some point her degraded signature or mistakes
made on cheques will trigger a failure and they will then bounce any and
all transactions until you register an LPA with them.
Even then after registering the LPA some banks can be complete bastards
and demand a letter from the GP *in addition* to the formal LPA.
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