Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder Mum7 Novitiate



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    Red face post dated cheques

    can anyone help me out? my bank have cashed a post dated cheque that i wrote for the end of june, i did have the funds available in a separate account, but was not planning on transferring them until the end of month. they now claim i have to pay 88 in bank charges. can anyone advise me if they were right to pay the company who represented the cheque as i keep being told the date is for reference only??
    many thanks

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  2. #2
    Basic Account Holder anon1 Novitiate



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    Default Re: post dated cheques

    the bank DO NOT look at dates on cheques under 10,000 pounds except under certain circumstances. THey will also claim that you should not write a postdated cheque and that the bank reserves the right to pay or return the cheque. So, i would say to read the FAQ's and claim back all the charges you have with them

    I came I saw I helped. I could do no more.

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  3. #3
    Gold Account Holder Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative



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    Default Re: post dated cheques

    The date on the cheque is the date under the technical term of law the date your authority given to the Bank to pay a said amount of money comes into force , ie your authoristaion is only valid on and after that date.

    As per any agreement/contract and .......that is what a cheque is.
    The same as any agreement/contract/licence .

    see below sparkie

    IN THE HIGH COURT OF JUSTICE
    QUEENS BENCH DIVISION
    COMMERCIAL COURT
    Royal Courts of Justice
    Strand, London, WC2A 2LL
    Date: 5/7/2004
    Before :
    THE HONOURABLE MR JUSTICE COLMAN
    - - - - - - - - - - - - - - - - - - - - -
    Between :

    Hosni Tayeb
    Claimant

    - and -


    (1) Hsbc Bank Plc
    (2) Al Foursan International Company
    Defendant

    98. Those observations, when read in context, were directed to circumstances where a bank has already discharged its customers debt to a third party, but without the authority of its customer, and faces a claim from the customer for re-payment of the sum paid without authorisation. That is a fundamentally different case from one where, as here, the bank has without authority made a repayment to its customers debtor, thus leaving the customer with a claim against the bank and a claim against the debtor. In such a case it is open to the customer to elect whether to sue the bank or the debtor. If he chooses to sue the bank, the existence of an alternative claim against the debtor which has not been pursued does not give rise to any question of unjust enrichmenticon.
    Accordingly, the Claimant is entitled to judgment in debt in the sum of 944,114.23 with interest from 21st September 2000.




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