blonde poker forum

Here is your starter for ten.

I put a couple of cheques in the bank last month and didnt notice that the cheeky chuffs had post dated them (by quite a long amount of time). The cheques therefore were not processed and I got them back in the post today. Obviously they have a few stamps on them.

Are these cheques reusable (once they are no longer post dated)? I think I have heard before that you can use them again, anyone else able to second that?

How much were you charged for the privilege?

Nothing from what I can tell

I'm fairly sure you can resubmit a bounced cheque can you not? If that's the case I don't see any reason why you couldn't with these too. 

Oh wait, I got charged 7 quid, the swines

Pass that onto whoever gave you the cheques.

It is illegal to post date a cheque and if presented into your account will be processed as normal - whether the person paying has the funds in their account for it to clear is another matter.

You can resubmit a bounced cheque once i believe and if it bounces a second time will be stopped

what Matt said.

I worked for a high street bank and was always told that post dating a cheque wasn't relevant and that it would be processed as normal.

I'm suprised the reason the cheques have not been processed is the dates and I'm suprised you got the cheques posted to you without a phone call. I'm also very suprised you'd be charged for presenting cheques to your own bank. Charges for bounced cheques would normally be passed directly to the payers account.

thinking about it, most of that might be specific to personal, rather than business banking.

Yes you can definitely represent the cheques. Often the fact that they are post dated is irrelevant as they will only check a percentage and high value ones.

My gf even wrote a cheque out of my cheque book by accident and it got processed no problem (till I saw it on my account and raised it as fraudulent).

My understanding is that receiving banks (the bank of the writer of the cheque) will not even look at the cheque (to check the signature, the amounts match or the dates) for less than c £1k as it is cheaper to pay off the people who complain, and then they find something is wrong, than it is to check every one.

This of course would be a scandal, but cheque writers would rather have free banking than pay the £1-5 per cheque that it would actually cost to police correctly the administration of the cheque process.

To answer your question, yes you can re-present these at your bank.
Although the bank may feel that you should have spotted that these were post dated, the cashier accepting the cheques should also have spotted this before processing them and you have a fair case to complain and ask for your charge back.