Not sure whether I have this in the right section but here goes I am banking in a personal capacity with the same Bank since the early 80's, no current borrowings, have small deposits with them.
I am doing business with the same garage since the mid 90's and recently changed one of my family cars which I tend to do frequently as there are a few drivers in the house and extended family, this time the cheque was for €18000.
I did not enter any payee, instead asked my dealer to either put the name of whichever company ( he has a few ) he needed to as payee, the rest of the cheque was in order.
I received a call from the Bank when the cheque was presented in the normal way to enquire whether the cheque was in order to pay without a payee, I explained what must have happened and was told that was fine and not a problem.
The Bank subsequently and on the same day bounced my cheque despite the Bank Official telling me it would be paid, the Official is very apologetic and blaming the system.
Where does that leave me, I got a call from the motor dealer at 10 a.m. telling me that cheque was returned and should he represent it, Ok, he submitted it without entering the payee details and yes I should not have given him an open cheque BUT the Bank Official called me about that matter, had confirmation that the cheque should be paid from me and that was the bottom line. First time a cheque was ever bounced on me.
I propose to follow up with a written complaint but should I leave it at that, will this dealer take a cheque from me again..who knows, I bet they hear lots of lame excuses but on this occasion my Bank failed to follow my instructions after they were sought from me by them and have left me red faced, it is beyond embarrassing.
I am doing business with the same garage since the mid 90's and recently changed one of my family cars which I tend to do frequently as there are a few drivers in the house and extended family, this time the cheque was for €18000.
I did not enter any payee, instead asked my dealer to either put the name of whichever company ( he has a few ) he needed to as payee, the rest of the cheque was in order.
I received a call from the Bank when the cheque was presented in the normal way to enquire whether the cheque was in order to pay without a payee, I explained what must have happened and was told that was fine and not a problem.
The Bank subsequently and on the same day bounced my cheque despite the Bank Official telling me it would be paid, the Official is very apologetic and blaming the system.
Where does that leave me, I got a call from the motor dealer at 10 a.m. telling me that cheque was returned and should he represent it, Ok, he submitted it without entering the payee details and yes I should not have given him an open cheque BUT the Bank Official called me about that matter, had confirmation that the cheque should be paid from me and that was the bottom line. First time a cheque was ever bounced on me.
I propose to follow up with a written complaint but should I leave it at that, will this dealer take a cheque from me again..who knows, I bet they hear lots of lame excuses but on this occasion my Bank failed to follow my instructions after they were sought from me by them and have left me red faced, it is beyond embarrassing.