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Cheque Clearing Cycle and Re-presenting cheques


mzfrfd
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Hi

 

Im not sure if this is correct place to post this so I'll be brief and wont object if someone moves my post to the correct place!

 

I have done a DSAR and noticed on my Bank Statement in 2007 that a cheque I wrote was presented on Tuesday 02/01/2007 and it bounced. It was further presented on the Friday 05/01/2007 and bounced again.*

 

02/01/2007** *Tuesday

05/01/2007** *Friday

 

If cheque clearing took 4-5 days at that time, how could it be possible that a cheque could be represented 3 days after bouncing in the first place. I am mystified!

 

Please can anybody shed any light on this.

 

thank you

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doesn't matter now well statute barred anyway

why is it an issue?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think you'll find you are out of time under the statute of limitations sadly.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Just read your Statute Barred 'pop up' message. Im afraid it is incorrect and will stop people from claiming what is rightfully theirs. i have received a favourable decision today from the Ombudsman on a PPI claim which was launched 11 years after the last premium was paid. Further to this please see below.

 

Limitation Act 1980 c. 58Part II Fraud, concealment and mistake

 

Postponement of limitation period in case of fraud, concealment or mistake.

 

(1) Subject to [F1subsection (3)][F1subsections (3) and (4A)] below, where in the case of any action for which a period of limitation is prescribed by this Act, either—

(a)the action is based upon the fraud of the defendant; or

(b)any fact relevant to the plaintiff’s right of action has been deliberately concealed from him by the defendant; or

©the action is for relief from the consequences of a mistake;

 

I dont think Im done yet so if anybody can answer my original question please let me have a response so i can get to tackling the Bank :)

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it works for PPI yes but not often on bank charges etc

32c is sometimes useful yes

 

I think it was 3 days auto representation back in those days.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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