They are about 15 years old and have a face value of 0 [£345 at today's exchange rate]. I took them to Lloyds bank, which has my current account.
It initially accepted, countersigned and stamped them.
Proviso (a) to Section 138 uses the words "the date made.
The dates written on those cheques, which were post-dated cheques, are not the dates when the cheques were ...
"The bank has now said it will refund the cheques as well as compensate me for the inconvenience and as a goodwill gesture," you told us. First I was told I would need to subscribe to paper billing, but that provided no information, and then I was repeatedly promised letters that never arrived. My utility company charges 5 per cent VAT, but it seems that I am being charged 20 per cent by Talk Talk. Telecoms, including broadband, are subject to the full VAT rate of 20 per cent. I own three other properties, which I financed with cash.
But Talk Talk apologises for not providing an adequate response when you requested VAT invoices. This latest property will cost me £51,000 and I have around £30,000 in cash.
A cheque which is dated post-dated cheques are often used in various transactions in daily life. were post-dated and bore the dates mentioned hereinbefore.Dates are not always checked closely, so you run the risk that cheques will be cashed before you wish and you could end up in the red.Occasionally, I like to skim through Reddit’s personal finance section for any interesting money topics.I wrote to A&L advising that I had post-dated a cheque which caused the overdraw and that A&L should not have cashed it until the relevant date.Money Mail's Margaret Stone replies: ALLIANCE & Leicester, in common with other banks, points out in its terms and conditions that you should never post-date cheques.
The answer unfortunately seems to be yes, I would be on the hook.