Parking charge paid by cheque - Not cashed 2 weeks later?
Discussion
Received a parking charge from Excel Parking Services on 29th Jan. I'd parked for the evening without a ticket as the machine was cash-only and, being 2015 2016, I expected to be able to pay by phone or card. Alas not.
Decided to risk it and of course got a ticket. £25, whatever, sent a cheque on the Monday. The letter was signed for as received on 2nd Feb but as of today, the cheque still hasn't been cashed.
I'd usually pay by card but decided that if they wanted to play the "you must use cash like it's 1994" game, I'd play the "then you can walk to the bank with a cheque" card.
Is it normal for this length of time to pass? I'd have expected them to pay it in by now.
Decided to risk it and of course got a ticket. £25, whatever, sent a cheque on the Monday. The letter was signed for as received on 2nd Feb but as of today, the cheque still hasn't been cashed.
I'd usually pay by card but decided that if they wanted to play the "you must use cash like it's 1994" game, I'd play the "then you can walk to the bank with a cheque" card.
Is it normal for this length of time to pass? I'd have expected them to pay it in by now.
Edited by romeogolf on Monday 15th February 16:25
MoneySavingExpert said:
Is it true that a cheque is only valid for six months?
No. A cheque is valid for as long as the debt between the two parties (i.e. issuer and payee) exists. In other words, cheques don’t have an expiration date. However, it’s common banking practice to reject a cheque that’s more than six months old to protect the payer in case the payment has already been made another way. This is at the discretion of individual banks. Where there is a dispute, a cheque remains legally valid in order to prove a debt for a period of six years, which is the Statute of Limitations.
Personally I wouldn't cancel it and hope that it never gets cashed.No. A cheque is valid for as long as the debt between the two parties (i.e. issuer and payee) exists. In other words, cheques don’t have an expiration date. However, it’s common banking practice to reject a cheque that’s more than six months old to protect the payer in case the payment has already been made another way. This is at the discretion of individual banks. Where there is a dispute, a cheque remains legally valid in order to prove a debt for a period of six years, which is the Statute of Limitations.
romeogolf said:
I'd usually pay by card but decided that if they wanted to play the "you must use cash like it's 1994" game, I'd play the "then you can walk to the bank with a cheque" card.
Except they don't give a **** and you're now worried about something else to post on the internet.I struggle with your thought process.
You acknowledge taking a risk and the fine being '£25, whatever' (my 11 year old niece says that btw and it is bloody irritating then).
You then pay using a method which appears to be more hassle for you (sending a cheque recorded delivery) and then gives you the worry of tracking the payment.
Just pay by card, have the receipt emailed to you and leave it in your email in case there is a dispute.
Then move on with life !!
speedking31 said:
MoneySavingExpert said:
Is it true that a cheque is only valid for six months?
No. A cheque is valid for as long as the debt between the two parties (i.e. issuer and payee) exists. In other words, cheques don’t have an expiration date. However, it’s common banking practice to reject a cheque that’s more than six months old to protect the payer in case the payment has already been made another way. This is at the discretion of individual banks. Where there is a dispute, a cheque remains legally valid in order to prove a debt for a period of six years, which is the Statute of Limitations.
Personally I wouldn't cancel it and hope that it never gets cashed.No. A cheque is valid for as long as the debt between the two parties (i.e. issuer and payee) exists. In other words, cheques don’t have an expiration date. However, it’s common banking practice to reject a cheque that’s more than six months old to protect the payer in case the payment has already been made another way. This is at the discretion of individual banks. Where there is a dispute, a cheque remains legally valid in order to prove a debt for a period of six years, which is the Statute of Limitations.
romeogolf said:
Is the 6-month thing a specific rule?
For reference I'm 26 and this is probably the fifth cheque I've written in my life.
Most banks will cash a cheque up to the 6 month mark, however, the debt is valid for 6 years. This means they can attempt to cash it up to 6 years later and you can instruct the bank to accept it. The six years starts again if they remind you of the debt at any time up to the six year limit, ad infinitum.For reference I'm 26 and this is probably the fifth cheque I've written in my life.
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