The mechanics from here - PTSB return cheque to credit union with the answer 'cheque stolen'. PTSB then issue you with a duplicate/second cheque, or better still credit your accout electronically. Credit Union report their loss to Gardai, and between them they attmpt to locate the fraudster.
this never happens
The issue is between PTSB and the credit union. You should just tell PTSB you didn't receive the cheque, tell them to reissue it, and let them pursue it. They will then probably get the Gardai involved. Ultimately, the credit union has the problem as they cashed a stolen cheque.
If I were you, I'd call IFSRA straight away & ask them to give you advice or intervene on your behalf.
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