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Cheque Recieved??


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I take it you dont recognise the name on the cheque (as in the person whos chequebook its come out of), or anyone who may have sent you money from the area of the letter was sent from, on the postal stamp. Is the cheque got your name as the reciever

 

What I would do it take it down the police station and report it (i kind of have to being a copper). If no one claims it within 3 months, you get the cheque back at its lawfully yours.

 

If you decide to keep it and pay it in, and the owner reports it as lost/stolen, then you would be prosecuted for theft by finding. By taking it to the police station, you havent lost anything, your arse is covered as youve lawfully done the right thing, and you may end up having 4.5K which is lawfully yours! Win - Win situation.

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Im making assumptions here. He doesnt say that the cheque is made out to him, so im assuming its a blank cheque with the sum of 4.5k written on it. If that is the case, then it is the finders responsibility to make reasonable enquiries to establish who the owner is, and if the cheque was legitimatly made out to him. If you were just receive a cheque that is signed with an amount written on it, but with no reciever details on it and paid it into your account, in the eyes of the law, your taking ownership of that money. The ONLY way, in these circumstances, to show that you have no intent to steal the money would be to follow the actions i have said above.

 

TBH i wouldnt want to put a cheque for that amount of money in my bank account if i didnt know who it came from. It may well be worth visiting the bank that the cheque came from (ie HSBC,NATWEST etc) and see if they would be able to see which branch the account is with. The likely hood is that they wont tell you due to data protection, but its worth a try

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Thanks for your responses. The cheque wasn't blank and was already pre-populated with my name and amount etc. Cant find any details on line for the company it is from and am at a complete loss! I called Lloyds TSB as I know the branch that it is from as it is printed on the cheque, they wouldnt tell me anything!

 

I know there is no such thing as a free lunch, but is there anything I can do prior to sticking it into my account to cover my arse?

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be careful as my bank always send me blank cheques and once cashed you get the money but it's actually a very high interest lone, very naughty but they would normally come with paper work and letter heads etc.

 

Also i know of someone who bumed up their tax forms and the goverment gave them a big rebate but once cashed the goverment realised it was a bum up and said we want the money back and they had a pooie hefty tax each month off their salary to make up for it. but once again there would be some kind of explination with it.

 

Possibly some sort of joke??

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Account details themselves are hardly secret, printed on every cheque, debit card, cheque guarantee card etc.

 

The confidential parts are the authentication details, eg PIN, Mothers maiden name (hardly a big secret LOL), password etc.

true but they allready know his address for starters and what stops them forging one of his chequs after they know who he banks with ;)

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open a new account. cash the cheque. State your name must have been on one of the HMRC cd's that went missing!

 

I think it's a loan or credit card marketing chq to be honest....and you'll be charged interest on the cashed cheque from day one. I think it was barclays/ Capitol one who used to send me 3 pre-printed 1K cheques every 3 months for a while...they came in a tear off letter type strip to do with as you wish. These amounts would be added to my credit card like a balance transfer if i'd used them adn cost more than a standard loan or 0% card...They're NOT like a 0% balance transfer so beware!

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