Thread: Banks not cashed cheques

Hi
Has anyone had this problem we sent out letters for statements of charges over 2 weeks ago. Today I got a bank statement and neither HSBC or Lloyds have cashed the cheques we sent for the statement
Is it unusually for it to take this amount of time before they cash the cheques.
I wonder if they are just taking there time and waiting until nearer the 40 day deadline.
Thanks
Gail

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It's worse than that. The 40 day clock doesn't start until they receive payment which they will no doubt argue will be when they cash the cheques. Did you send your letters recorded delivery or do you have proof of postage?

If they want to be difficult they could say that they never received the letter or payment. It comes down to your word against theirs and in the meantime the days tick by.

Proof of posting or recorded delivery leaves them very little wriggle room.

Hi
Been very green at this we didn't get proof of posting, we'll never send anything again without proof, lesson learned!

I was thinking of cancelling the checks and re doing the letters then sending recorded delivery.

Anyone any thoughts on this

Cheers
Gail

Send another letter (recorded delivery) and enclose a 10 pound note