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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

She cashed both fucking cheques!!

214 replies

VeryFuckingPissedOff · 11/12/2016 11:45

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!!!!

OP posts:
DeepanKrispanEven · 11/12/2016 14:11

daisychain, that's been covered upthread.

Hissy · 11/12/2016 14:12

Bank statements give the number of the cheque and the amount and date only.

witchofzog · 11/12/2016 14:13

I would be very surprised if this was a mistake. I would be feeling very let down and peed off right now. She owes you the money back and I would not be giving her further gifts in future

potap123 · 11/12/2016 14:16

In fairness it might not be her that cashed it. My MIL sent us a cheque and it never arrived. A week or two later it was cashed. It eventually turned out that it was nicked in the post and someone managed to cash it at one of those cheque cashing places. You'd have thought they would have security processes to stop that sort of thing but apparently not.

Perhaps after she lost it someone found it and managed to cash it?

whyohwhy000 · 11/12/2016 14:16

DeepanKrispanEven They wouldn't be able to unless the person who cashed it had the same name as the recipient, or the OP sent a blank cheque.

Roussette · 11/12/2016 14:16

Of course anyone could pay in a cheque, I never go to a counter to pay one in, I use an automatic machine. Anyone could alter dates/amounts if they really wanted to be that deceitful. There isn't some beady eyed cashier even looking at the cheque, they just stamp stamp and it's paid in.

You need your bank account to check where cheque no. 1 has gone but I'm afraid to say that if it was on the same day, the chances are it is your rellie which makes things really awkward. I would tell them and note what they say...

OurBlanche · 11/12/2016 14:16

Deepan As a whole it applies to any changes that would lead to the cheque being paid into a 3rd party's account!

SoupDragon · 11/12/2016 14:19

Of course anyone could pay in a cheque

Not necessarily. I've had cheques returned because they were made out to my middle initial rather than my first, having paid them into an ATM. So yes,there is sometimes a beady eyed cashier.

SapphireStrange · 11/12/2016 14:26

If I needed the money I'd ask the bank to recall the first one, if they can.

JustSpeakSense · 11/12/2016 14:41

If she has cashed both cheques then she has deliberately stolen £25 from you. I would be asking for it back and definitely not giving this person any more Christmas or birthday presents ever again.

You don't 'accidentally' cash a cheque.

Btw IF I was given a cheque as a gift and was careless enough to lose it, I would definitely not have the cheek to ask for a replacement cheque, that in itself is brazenfaced.

EweAreHere · 11/12/2016 14:45

Yikes.

It doesn't sound accidental.

I'd be quite cross and hurt if a relative did this to me.

Wouldn't be sending them anything else, either.

Cagliostro · 11/12/2016 14:49

Today 12:11 Arfarfanarf

I'd probably call her and you'll never guess what's happened - someone's cashed that cheque you lost! Ive reported it to the police and they're going to investigate.

That's genius 😂

stayathomegardener · 11/12/2016 14:52

When you leave a message just say you hope she received the new cheque and you noticed that the lost cheque has been cashed you are therefore going to take it up with the banks fraud department.
Police would not be the right place to go.

eddielizzard · 11/12/2016 14:57

i would ask her if she cashed them both. if she did, intentionally, i don't think i'd be giving her any more presents...

MissDreanor90 · 11/12/2016 14:58

You OP
Sound like an absolute dramatic idiot

You didn't cancel a lost cheque
You haven't even asked the person why they've cashed two cheques or looked into it ( to see if they did cash two)

Mountain out of a mole hill

A normal person (if they forgot to cancel the cheque ) would simply contact the person and say 'two lots of x money has came out of my account, did you put in both?'

If the answer is yes 'ah ok can you please send x amount back or can contact bank to do a recall'

If no then contact bank and follow their procedure for getting money back ??

SexLubeAndAFishSlice · 11/12/2016 15:00

This reply has been deleted

Message withdrawn at poster's request.

SapphireStrange · 11/12/2016 15:06

I'd probably call her and you'll never guess what's happened - someone's cashed that cheque you lost! Ive reported it to the police and they're going to investigate.

Oh yes, do this!!

Original poster
VeryFuckingPissedOff · 11/12/2016 15:09

Okay, I've just phoned her. We made polite conversation for a minute, and then I asked her if she'd found the lost cheque as it looked like it had been paid in. She sounded really embarrassed and said that she had a huge mountain of cheques as she is self-employed (apparently most of her clients pay by cheque) She said her DH must have found the missing one and added it to the pile. And they went to the bank and paid them all in, not really looking at them. She couldn't stop apologising. I've said not to worry, she can keep the cheque as her xmas present, or she can pay it back and will get her xmas present as normal (I haven't started xmas shopping yet) She said if it was okay with me she would keep the cheque as her xmas present. I feel really bad that I suspected her now!

OP posts:
OurBlanche · 11/12/2016 15:11

Don't feel bad. All she has done is shown you that she doesn't treat cheques well and is a bit disorganised.

I am self employed, never had a cheque! Not even from the 85 year old lady who has just become a LL... she managed BACS absolutely fine Smile

OlennasWimple · 11/12/2016 15:12

What do you want the outcome of this to be? I would be aiming for cheque recipient realises mistake, apologises, pays back the additional £25. And maintains friendly relations - it's not worth falling out with someone over £25, unless there is some kind of back history.

Going in all guns blazing as some pp suggest would only make her defensive.

Yes, of course cheques can be misappropriated - easier done with common names than long, complicated ones though.

Branleuse · 11/12/2016 15:12

dont feel bad. She was on the ball enough to ask for a new cheque.

just because shes embarrassed, you were still right to say something

OlennasWimple · 11/12/2016 15:12

Oh, x-post - glad it's all resolved!

JustSpeakSense · 11/12/2016 15:16

She's one of the watching OP I'm still not 100% sure it was an accident.

SapphireStrange · 11/12/2016 15:31

dont feel bad. She was on the ball enough to ask for a new cheque. Yes, this. I am always interested in how often people are disorganised when it suits them to be.

FlappysMammyAndPopeInExile · 11/12/2016 15:55

If she sounded embarrassed, it was because se knew exactly what had happened.

The cheque may have been paid in accidentally (Hmm), but following the fact she realised the error and just hoped it would go unnoticed.