desperatedan
Registered User
- Messages
- 111
Perhaps your signature on file simply does not match your signature as you sign it today?
Why did they not phone you!. If you have the money in your account and you have written a cheque to the same payee twice it seems ridiculous that they would not phone you. Change banks!
I wonder are they minding their own balance more than yours?
Why dont you pay with a bank draft while you are waiting to resolve the issue with the cheques?
got a cheque from a client once and when I went to the bank they could not cash it because of the signature. Although to be fair to the bank (AIB) they did ring the account holder and they confirmed that they issued cheque. It was cashed then.
I would change bank.
Why can't you just transfer the funds via a credit transfer?
Cheques are old hat.
As far as I am aware, the bank will mark the cheque in some way. If there are insufficient funds it's usually stamped "refer to drawer" or words to that effect, if there is a different problem it will be stamped differently.
Take a look here [broken link removed]
Hope that helps spare your blushes.
Dan
You seem to resent the advice being given to you by two posters as unhelpful.
Not at all, I do not know which posters you are referring to. I have welcomed all advice given, as I welcome yours.
You seem to think that the bank should not be comparing signatures on file with the signatures on the actual cheques.
Not so, as indicated in my OP "They say this is for my own security, and to an extent I can see their point."
The mistake is primarily yours.
What mistake? I am not aware of any mistake made by me.
After the first incident, did you compare the signature on the cheque with the signature on file in the bank?
No, but I should have. Not sure what the procedure is with Halifax though, as I am primarily an on-line customer. Could I have walked into the nearest Branch and asked for this service?
After the first problem, you should have got a bank draft to ensure that it did not happen again. Or alternatively, you should have done a credit transfer.
Agreed. This is what I have now done. In hindsight, I should have done this after the first incident.
I would not like to see your reaction if you saw many thousands withdrawn from your bank on a forged cheque.
A bank is obliged to bounce a cheque when the signatures don't match. It was nice of them to call you, but if they did not get you, what can they do. Honour the cheque and hope for the best? Do you really expect them to put a note on your account - don't bounce any cheques from this guy because his signature is variable?
If they left an urgent message on my voice mail, or even e-mailed or SMS, this could have been avoided.
Make a formal complaint if you like. You will not be happy with their response. Then complain to the Financial Services Ombudsman. I would imagine that they will tell you to cop onto yourself.
I have made a complaint, and asked to be provided with copies of the cheques in question. I don't propose to go to the FSO, but I do not think their response would be as dismissive as you suggest.
Brendan
The first mistake you made is that the signature on your cheque does not appear to match the signature on the bank's records. I would very much doubt that Halifax are just bouncing your cheques for the craic.
The second mistake that you made is that you did not get a draft to pay your supplier.
The third mistake is that you repeated the first mistake.
But you are trying to blame Halifax for all this. I really don't think it's their fault at all. Now if the two signatures do match, then you have cause for complaint.
Brendan
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?