Post dates cheque presented early

[winkywinkola]

Now it's gone refer to drawer andy bank have charged me £15 for that.

Can I contest this?

Post dated cheque, that should read.

Call the bank, it should never have been allowed through should it?

I think this is the banks error.

I thought you couldn't post date cheques any more, so they could be paid in straight away?

Well what's the point of the date function on the cheque then?

Banks don't have the system anymore to look at the date on each cheque, so any cheque given in to a bank will be processed state away.

Straight away

When I worked in banking a long time ago post dating was just kind of between the cheque writer and the cheque receiver, i don't think the bank had any obligation really.

I would still ask them if they would waive the charges as a gesture of goodwill though, can't hurt to ask.

I think the date is more to do with old cheques but I could be wrong. (Hazy memories, I've been out of that area for a long while)

I think the date function is because they expire after 6 months? Not sure but something like this rings a bell

The date function is so that cheques over six months old should not be allowed through the system. The bank can put any future dated cheque through the system and if it doesn't clear can make a charge.

I would imagine the bank will refund as a gesture.

Lloyd's TSB that I bank with will refund a charge if you generally manage your account ok and give them a call if something causes a charge, I've done it before.

It certainly was an offence to post date a cheque. Legally writing a cheque is a statement that you are willing and able to pay at the time you issue it. I doubt you'll have recourse through the bank but possibly through the company if they agreed to post dated? It's not good practice so you'll probably get further that way.

T&Cs of cheque acs will state that it is illegal to write a cheque for a sum of money if you do not have that sum of money in your ac. Post dated cheques are not recognised...

you arent supposed to post date cheques. If you didnt have money to cover it then your shouldnt have issued it.

Yes, you can't post date cheques, and if they are presented early, you have no recourse.

www.chequeandcredit.co.uk/resources/faqs/post-dated_cheques/

the date bit is so that you know when the cheque expires i.e. you have 6 months to pay it in from the date written on it

Like the others have said, post dated cheques aren't recognised.
The bank can decline cheques more than 6 months old.
I take it the cheque bounced, hence the charge?

Hmm I don't agree, I complained to my bank about this they apologised profusely said it shouldn't have been processed until the date on the cheque and they refunded me the charges