Cheque represent

[twix]

Hi
Last August I was sent a cheque for £850 for stock that bounced, since then we have tried to get the money owed by debt collectors, all without success, our only option is the courts, and i dont think that will work either, as the guy lives with his girlfriend, no real assets, and knows how to work the system.

I was in our local abby branch setting up a personal account and happened to mention the cheque and that the bloke still owed me money, the assistant (who got advice from the manager) said that as I still had the cheque, I should try to represent it even though it had 'refer to drawer' on it.

Just wondering has anyone ever managed to do this successfully, i don't know if the guy has any funds in their bank account.. but is it worth a try

thanks

 

[GRDCredit]

Nice idea but if the cheque is dated August it is going to be 'out of date' - 6 months old. Without going into the legal issues your bank will not allow you to pay it in.

 

[APC RoadLink]

Cheques I believe are only valid for 6 months. Now I will wait to get shot down.

 

[twix]

bummer - oh well

 

[MASSEY]

Well, you could follow him and rough him up............

 

[twix]

wouldn't want to soil my clean hands !

just got to decide if its worth spending £100 on getting him a CCJ !

 

[MASSEY]

wouldn't want to soil my clean hands !

just got to decide if its worth spending £100 on getting him a CCJ !

People like him have probably got loads already, you think you will make yourself feel better from it, but in effect you will waste a £100, and he wont give a toss either way,

 

[Zahidparvez]

Find some company which buy debts

 

[maxine]

Quick, pay it in... it is still legal and you might strike lucky

The "6 month rule" is only a general banking best practise and isn't law

 

[GRDCredit]

The "6 month rule" is only a general banking best practise and isn't law

That was what I meant by:

Without going into the legal issues

Sorry - give it a try but I still don't think you will get away with it!

 

[twix]

no the bloke hasn't got any CCJs I checked when we started doing business

Thanks

 

[David Griffiths]

no the bloke hasn't got any CCJs I checked when we started doing business

Thanks

Make sure he gets one then!

 

[*Lexxy*]

no the bloke hasn't got any CCJs I checked when we started doing business

Thanks

so that would be before August 2009 when you last checked? i'd do another check now if i were you, no point going that route if he's racked up CCJ's since then.

good luck