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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Cheque not cashed for 6 years

183 replies

EmmalinaC · 08/04/2022 18:04

Just had a call from someone my daughter went to primary school with. Didn't recognise the number as we weren't really friends. (My DD is now in year 11).

She was phoning to say she'd just found an envelope with a cheque in from me dated Feb 2016 for birthday cards (she was a Phoenix Cards trader) that she forgot to cash, and would I mind transferring the money now please...

So AIBU to say not my problem you've had it for SIX YEARS or do I owe her £28 given that I did receive the goods?

FWIW I have a joint account with DH and neither of us do a routine bank rec apart from for high value stuff so I had no idea it was never cashed.

Thoughts please! Smile

OP posts:
GeneLovesJezebel · 08/04/2022 18:05

No, I think not.

PostingForTrafficz · 08/04/2022 18:07

Bit weird but you did get the cards so I would pay.

FatEaredFuck · 08/04/2022 18:08

I'd ignore, if chased inform them you've put it in the post. Wtf.

LaWench · 08/04/2022 18:08

If you had the goods, I think you should pay.

DysmalRadius · 08/04/2022 18:09

Can you see that far back on your bank account to check if the money did go out?

HollowTalk · 08/04/2022 18:09

Well you do owe her the money. Do you think she actually has that cheque? If she does then I think she should pop round to your house and you can just change the date on it and initial it.

Nodancingshoes · 08/04/2022 18:10

I cant believe she asked for it...this was her fault entirely. I'd ignore it. We once found a cheque in a bush outside our nursery that never got cashed. It was for much more than £28 but several years old!!! We wrote it off - our fault for not cashing it safely at the time!

feathers7 · 08/04/2022 18:11

You did pay.
Not your fault she didn't pay the cheque in 6 years ago!!

Nothappyatwork · 08/04/2022 18:12

I was thinking Christ on a bike has it been six years since the cancel the check thread 🤣

SamphirethePogoingStickerist · 08/04/2022 18:13

Nope. You did pay her. What she did with that payment is down to her.

And after 6 years, tough! Even bailiffs don't chase debts that old as they become statute barred Smile

In short, you did nothing wrong and she has a brass neck now, 6 years later, asking you to correct her mistake!

ButtockUp · 08/04/2022 18:13

Cheques aren't guaranteed over six months.
It's her problem.

Blossomtoes · 08/04/2022 18:13

Her problem.

PhileasPhilby · 08/04/2022 18:13

I’d think that she must be pretty desperate for cash to be asking for that amount after so long so if I could easily afford it, I’d pay it.

She shouldn’t have asked though.

wildseas · 08/04/2022 18:13

If you are well off enough that you can afford this comfortably then I would do the bank transfer. I think that she must probably really need it to be trying to reclaim a 6 year old cheque for that value.

If it would be a struggle for you then I would politely decline - you certainly have no legal or moral duty to cover this after 6 years!

Isobelslider · 08/04/2022 18:13

@feathers7

You did pay. Not your fault she didn't pay the cheque in 6 years ago!!
This. You've legally paid.
Nothappyatwork · 08/04/2022 18:13

But yes if she can produce the check I would pay the 28 quid

Cerridwen83 · 08/04/2022 18:13

Cancel the cheque? Grin
Sorry I just had to.

FromOurHatsToOurFeet · 08/04/2022 18:14

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk guidelines.

Original poster
EmmalinaC · 08/04/2022 18:14

@DysmalRadius

Can you see that far back on your bank account to check if the money did go out?
She has sent me a picture of the cheque by WhatsApp as well as the list of cards I ordered.

I will probably pay up but I do think it's a bit weird. If the situation were reversed there is NO WAY I would be pursuing it!

OP posts:
Theyellowflamingo · 08/04/2022 18:15

I’d tell her if she posts you the uncashed cheque so you can rip it up and ensure it’s not cashed (tho I doubt a bank would honour it now) you’ll transfer the money. Someone that flaky probably won’t bother. But otherwise, given you did get the goods, I’d probably pay, while rolling my eyes.

spongedog · 08/04/2022 18:16

I agree with others - you did have the goods.

tigger1001 · 08/04/2022 18:16

You paid. She didn't deal with that correctly. Her fault.

She should just write that off now as it's no longer enforceable and it was her error in the first place,

Dixiechickonhols · 08/04/2022 18:16

I agree with you. Weird to have asked it’s her error. But you had books and it’s a small amount. I’d just pay but think she shouldn’t have asked.

NoSquirrels · 08/04/2022 18:16

Blimey!

You’re not obliged to pay. It is, quite literally, her problem that it wasn’t cashed.

But like others I’d say she must be absolutely desperate to ask for £28 from 6 years ago, and as you don’t need to reconcile your bank statements you’re obviously not, so I’d pay.

I’d ask her to bring the cheque round, though, or put it in the post. I don’t think you should transfer just on her say-so. She needs to put some effort in as you’re effectively doing her a favour. (As was buying the overpriced stuff in the first place, tbh)

Saltyquiche · 08/04/2022 18:17

I’d pay

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