She cashed both fucking cheques!!

[VeryFuckingPissedOff]

Sent somebody a cheque for their birthday. They 'lost it' and asked me to send another. Prehaps I was foolish to do so, but I did. Now, both cheques have come out of my fucking bank account!!!!

Are you sure she has both cheques?
It might have been paid into someone else's account

I'd speak to her & tell her she can view the second cheque as next year's present then never send anything else at all ever

I don't think this was a 'slip-up' OP, there aren't so many cheques floating around now that somebody has these coming in every week.

The first thing I would think of - having told you the cheque was lost - was that it had been found and thank you. If I'd received the second one, I would have sent it back to you, not cashed it.

I wouldn't send them anymore cheques or give them anymore gifts. Done.

I'd be on the phone to them playing hell, how bloody rude. On the other hand, if it's a joint account perhaps one of them has had the cheque and the other couldn't find it? Then they've both been cashed that way? I can't imagine anyone being so brazen tbh.

I think there is a time limit on cancelling cheques.
And yy to pp who suggest that you find out if the recipient cashed both cheques, or if one was stolen.
Either ask for the money back, or say that next year's present is now taken care of!

You are not BU, but is it possible someone else cashed it for her on her behalf? I don't think you need to be the account owner to put a cheque in at the bank.

Also, maybe she did it absentmindedly. I would ask her about it but give her the benefit of the doubt and assume she has done it by accident. You'll soon know by how she reacts, if it was accidentally she'll be embarrassed and talk about giving you the money back straight away.

Yes Fizzy - anyone can pay in a cheque on someone's behalf, but only into their account, assuming it is a crossed cheque, which nearly all are.

A. Check your relative cashed both cheques. If someone else cashed the first one, that puts a different complexion on things.

B. If you would normally send her a Christmas present, and she confirms she has cashed both cheques, won't that sort Christmas out? (Assuming you haven't already got her a present.)

Or just tell her that you see she found the other cheque and cashed it. So you will allocate that as her her birthday/xmas 2017 gift.

Re: someone else stealing it - unless you left a blank space for the name I don't think anyone else could cash it? You can't cross out someone's name and write your own in

I would phone her and say -" you'll never guess what, someone has stolen the first Cheque I sent you because it's been cashed in. I'm going to ask the police to investigate"
And then wait and see what the response is!!!!

Its fraud. She'd never get another penny from me.

Were they cashed on the same date?

Some names can be altered, though, to enable cheques to be cashed. And bank staff aren't great at checking, in my experience.

nobody else can 'cash a cheque' that is made out to somebody else. It is simply not possible.

.

This relative doesn't phone and say thank you for her gifts?
Just ring and say you've noticed both cheques have been cashed, it's probably an error, maybe their partner paid one in and they paid the other or something, but I would expect someone to ring if I send something.

Cancel the first cheque ASAP. You really should have done this before you issued a new cheque. Lesson for the future.

Tell her you're a bit concerned that the first cheque has been cashed, and ask for her help to work out where and when this happened. Assume she's innocent. Did she receive it? Or lose it somewhere else? Either she'll 'fess up or claim innocence.

If the latter, ask your bank where and when it was cashed. There is a lot of cheque fraud about, and your bank will want to know about it.

Please assume it was a mistake when you talk to her- don't accuse unless you know you've got something to accuse her of. Dp's family send a lot of cheques- if I saw one lying around I might pay it into their bank as I was passing, and might easily forget to tell them...........

Pony - a crook can cash a cheque made out to someone else. Happens all the time. It's the reason you don't send cheques by mail.

Yes, play the innocent and give the recipient the opportunity to 'fess up. If there's no doubt that they paid both cheques in, then birthday and Christmas gifts of money stop forever. I'd be minded not to give them anything whatsoever from now on.

Reindeers suggestion is exactly what I would do! Of course you need to speak to get about it!

How can someone cash two cheques " by accident"

The act of sending one cheque off and then doing the same thing again is surely blatantly obvious to the ' rely ' that the 2nd cheque shouldn't be processed. It should be torn up and a text sent to OP "don't worry I've disposed of the cheque safely"

It doesn't take The Brain of Britain to work that out!!

Bloody relys taking the piss