Bank lost an important cheque - now what?

[northernladyuk]

Not sure what that's going to give you though - if the bank can't/won't find the missing cheque, you're going to have to try and get a new one issued.

One thought - are you 100% sure you paid it into the right account? i.e. was it a pre-printed paying in slip? That's where the automated tellers are useful - they give you a photo of your paying in slip.

Good luck - hope you get it sorted.

WSS. You're going to have to bite the bullet and ask for another cheque to be issued.

[MrMarkyMark]

WSS. You're going to have to bite the bullet and ask for another cheque to be issued.

You wouldn't accept a cheque in the first place, though, would you dear







ee

[northernladuk]

You could ring 1980 and see if they still have your cheque?

[FrontEnder]

As others have said, it doesn't matter if you get proof that the cheque was paid in. It's not a guaranteed method of payment, so they'd need a new cheque to pay in.

I used to work in the foreign dept of a bank. Cheques are a nightmare, the process was awful. Basically, the branch don't do anything with it other than send it to the central department for processing. Once they get it, then have to send it to a partner bank to go through their cheque clearing cycle before they get the cash.

It's a very manual process, unlikely to be automated much at all. So there were often backlogs. If it's only been a few days (or even a couple of weeks), chances are it's sat in a big pile waiting to be looked at.

[stek]

Surely it's a check not a cheque if it's from US and A?

[FrontEnder]

Surely it's a check not a cheque if it's from US and A?

ContractorUK

[stek]

ContractorUK

American check.....

[FrontEnder]

American check.....

I'm not American, does that mean I passed?

[SueEllen]

I'm not American, does that mean I passed?

Nope.

Your American client gave you a check, and you presented that cheque to your UK bank.

[vwdan]

Isn't your best bet looking for the pay-in receipt. Once you have that, it is HSBC's responsibility if they lost the cheque. Surely, they should reimburse you as long as you can prove you've paid it in correctly. Their incompetence shouldn't be your problem

Have a read at this...

banking transfers, payments and cheques

Also, if you've got the deposit receipt from the other cheque your wife paid in, you could get the time it was paid in which would make it easier when going through CCTV should you go down that route

I'm a bit embarrassed because I'd actually forgotten my wife had used the Paying In Book (This is the first time it's been used and the first time I've used one in a decade or so), so I was looking for a literal receipt (Like you get from the machines). Anyway, I managed to dig it out of the storage unit and returned to the bank triumphant. They did seem a little more concerned this time round and she said she'd get onto the relevant teams so we'll see I guess. There's no question now that they had it at some point.

As for the check nonsense, frankly, it's been a bone of contention since the bloody start. I even set up and a proper Paypal account and got the limits removed to give me the ability to take non bank transfers before discussing payment types but they insisted. Believe it not, the customer is a bank too! (I was able to sneak in the guesstimated PayPal payment charges though, so there's that at least)