I have a cheque dated 22/06/2004 that got in with some old paperwork that I have just come across and would like to cash it.
2006-10-22 00:40:41 · 20 answers · asked by lajrf6272 1 in Business & Finance ➔ Personal Finance
Present it for payment and if it is not accepted then ask the drawer to endorse the date. If it's only for a small amount the bank will probably accept it.
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2006-10-22 00:42:58 · answer #1 · answered by GoogleRules 3 · 0⤊ 0⤋
In the U.S., there used to be a regulation that stated that a check was stale-dated after six months, and that it was up to the drawee bank's discretion if they wanted to pay it. I would deposit it, just in case...and if you have nothing against a 2-5 business day hold (in compliance with Regulation CC), I would put a hold on it as well, in case it does come back unpaid. However....the six months no longer applies, as of a couple months ago. That regulation was repealed. If you can contact the maker of the check, do so, to make sure there isn't a stop payment on it, and to make sure that the person has enough funds in their account to cover it, and that the account is still open. If not, try contacting the drawee bank to verify that the account is open. Then deposit it, preferably with a hold.
2006-10-22 06:05:51 · answer #2 · answered by centerstage 3 · 0⤊ 0⤋
1 year
2006-10-22 00:47:50 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you are in the UK the limit is 6 months, I'm afraid.
Is there any chance you could get back to whoever issued the cheque and ask them to issue another?
Sorry not to be able to help more, I know how frustrated I'd feel if the same thing happened to me!
2006-10-22 00:46:14 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Try and cash it, but don't be surprised if it is no longer any good. Some checks have a limit of 90 days to be cashed, or it is void, and I'm sure there is a set limit by the banking regulatory people on how long a check is good.
2006-10-22 00:45:43 · answer #5 · answered by WC 7 · 0⤊ 0⤋
Six months in the U.K. I recently found one that I had overlooked.
It was from an Exeter solicitor, I wrote to them enclosing photostats of all the paper work etc. and asked them to endorse it so that I could cash it. They refused. So I put it in a picture frame and it now hangs on the wall in my downstairs toilet. It is amazing how many visitors have said to me "Oh, if that is the sort of solicitors they are, I will never deal with them" The firm must surely have lost business because of it, it has become quite a talking point!!
If anyone thinking about using an Exeter solicitor wants to know their name contact me.
2006-10-22 01:31:42 · answer #6 · answered by Social Science Lady 7 · 0⤊ 0⤋
In UK cheques are usually valid for 6 months.
Get whoever wrote the cheque to write a new one.
2006-10-22 01:55:27 · answer #7 · answered by phooey 4 · 0⤊ 0⤋
i have always wonded about that as well, i'll ask my bank on monday if they arnt busy, just to make sure it is 6months, i have found up some cheques from 05 and the start of this year opps lol
2006-10-22 00:48:14 · answer #8 · answered by saralouise_uk2002 3 · 0⤊ 0⤋
The norm is 6 months grace period after you get the check I would suggest going to your local bank.
2006-10-22 00:43:11 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Six months in India
2006-10-22 00:42:35 · answer #10 · answered by TANISH 2 · 0⤊ 0⤋