Unpaid cheque help!
Discussion
Wife received a rather large cheque (for her business) which has been returned unpaid. Cannot find the person in directory enquiries, but obviously have the name and bank.
Anyway we can trace them to chase them?
Bit silly, wife had a feeling, but this is the first time in 6 years she's had a bounced cheque, it was for £333.
May not sound like a lot to some, but is a hell of a lot to her.
Cheers
Edited to add
I thought I'd be smart, look at the sort code on the cheque, so I could see what bank they were using, therefore see what area they're in.
Turns out all Norwich & Peterborough account holders share 08-60-81
Wife's in tears over this, obviously she'll learn from her mistakes.
Anyway we can trace them to chase them?
Bit silly, wife had a feeling, but this is the first time in 6 years she's had a bounced cheque, it was for £333.
May not sound like a lot to some, but is a hell of a lot to her.
Cheers
Edited to add
I thought I'd be smart, look at the sort code on the cheque, so I could see what bank they were using, therefore see what area they're in.
Turns out all Norwich & Peterborough account holders share 08-60-81
Wife's in tears over this, obviously she'll learn from her mistakes.
Edited by thewave on Thursday 15th May 23:12
You might (and it is a big might) be able to get the bank to forward on a letter for you to the customer asking for the money.
It may be an error on the customer? wrong cheque book etc you never know
The sort code will narrow down the branch location however, as you have discovered alot of customers share the same code! The code starts 08 which I beleive is co-op (?) sometimes the 'smaller' banks are more willing to help??
Unless you know someone at the co-op that maybe able to help
without any other details (the banks will never disclose the details for obvious reasons) it is very difficult
I know a few businesses that have just had to throw the cheque away and put it down to experience, as I am sure your wife is aware, treat a cheque as just a piece of paper (in value terms) until it is paid.
It may be an error on the customer? wrong cheque book etc you never know
The sort code will narrow down the branch location however, as you have discovered alot of customers share the same code! The code starts 08 which I beleive is co-op (?) sometimes the 'smaller' banks are more willing to help??
Unless you know someone at the co-op that maybe able to help
without any other details (the banks will never disclose the details for obvious reasons) it is very difficultI know a few businesses that have just had to throw the cheque away and put it down to experience, as I am sure your wife is aware, treat a cheque as just a piece of paper (in value terms) until it is paid.
jamesuk28 said:
Sorry to hear your wife is so upset. PM me the details regarding the person who issued the cheque etc and we will try and skip trace them for you, and enforce collection of the original amount. Your wife will not be charged for this, ie its a freebie.
Cheers James, we're both at work at the moment, but i'll PM you the details when I get home.Much appreciated.
Bank sort codes do not necessarily tell you a region/location, which is most banks have a particular sort code, they simply tell you the finance house. A book of sort codes exists but is usually only available ti those in the trade. It sounds like James has sorted you out very quickly
Simpo Two said:
How can you not have any details for a customer?
My wife's a hairdresser. They don't tend to get full details, but she was given a false address anyway, the girl fooled my wife completely. jamesuk28 said:
Hi I believe we may have traced the debtor just by the very limited info you gave us. I have emailed you asking for any specifics, are you getting them?
Hi James, unfortunately you have the entire details I had access to. (I don't have access to my e-mails at home - but I'm sure they'll be waiting for me tomorrow)We know the address she gave my wife was false (an address in Beccles, Suffolk) as I'd instantly checked is (suspecting it to be false) and it was. It just so happened to be a few doors down from a client of mine, so I called them and they knew the person, and it definately wasn't Miss F.
Would the lady in question be roughly 24 years old? and speak with a Norwich / Norfolk accent?
Thats assuming the cheque she paid with was her's and not stolen. The bank (when returning the cheque) should have contacted the police if it was a stolen cheque, so it may well be her account. Unless of course its an identity theft.
You may also wish to report this to the Police. If she has given false details it sounds like "obtaining goods or services by deception" the bank will have to co-operate with any investigation, and she will get one hell of a shock when the BIB turn up.
Thats assuming the cheque she paid with was her's and not stolen. The bank (when returning the cheque) should have contacted the police if it was a stolen cheque, so it may well be her account. Unless of course its an identity theft.
Edited by jamesuk28 on Sunday 18th May 10:05
You may also wish to report this to the Police. If she has given false details it sounds like "obtaining goods or services by deception" the bank will have to co-operate with any investigation, and she will get one hell of a shock when the BIB turn up.
Edited by jamesuk28 on Sunday 18th May 12:44
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