Natwest Lost My Friends Cheque

[Neoglow]

Hello, any help would be greatly appreciated, this is a long ongoing case so I will try to make it short and simple... my friend
-received a large compensation cheque which she put into her Natwest account
-a week later she saw her new balance, the next day the bank stated a large transaction was done and if they should freeze the account, she said yes and will go in the next day to discuss
-her balance was zero and they will look into it, we just thought it was some glitch
-on her statement under the transaction it said "unknown"
-after about 2 months the bank manager said they don't know what happened and sorry but they are closing the case.
-she contacted the police and been thoroughly investigating...
With the evidence and lack of we have thus far does anyone know how we can get solid evidence the cheque was put in. We are getting info from the cheque clearing company, the sender of the cheque confirmed the funds were transferred. What possible essential holes have we not covered and is there anyone besides the bank who would have dealt with the cheque in the 5 days?
Many thanks.

[Zacs-Master]

CCTV footage?

[mallyh]

did she not get a receipt when she deposited the cheque?

[mazie]

My thoughts as well mally

[ubasses]

Did the credit appear on her statement and the account then debited or did it never show at all.?

[Tuvok]

Duplicated question

http://www.theanswerbank.co.uk/Business-and-Finance/Question1334377.html

[Old_Geezer]

If the sender of the cheque has evidence on their statement that the funds went, then it can be traced as to where their bank sent them. When something is lost one has to start from a place where it was known to be and trace forward from there. Not from where it is claimed it never was and backwards. It can't be that difficult to trace it through and see what happened. I do not understand your friend's bank's attitude.

[redman41]

Whenever I have paid Cheques into my Bank Account I used a Paying-In slip.
Your A/C No and Sort Code appear on the slip, which is then Date Stamped by the Bank Cashier.
Was this not done in your case ??
It's your Proof that you paid in the Cheque.

[factor-fiction]

Hi Neoglow
I am puzzled by the following from your question:
"the next day the bank stated a large transaction was done and if they should freeze the account, she said yes and will go in the next day to discuss "
Please can you clarify this bit. It seems to me the bank accepted that a payment had gone in at the time. I'm also not clear why your friend agreed to have the account frozen and come in to discuss it

I'm also puzzled as to why she has no receipt and why the bank can't trace where the money did go.

I'm wondering whether this isn't the full story

[Neoglow]

Thanks for the responses...
The cctv footage shows her going in and and being served but it is not the clearest footage and is not enough evidence for this case, still evidence just not enough.
Also the bank are now denying she even gave a cheque in, the police took the manager and the lady who served her into custody, the manager is denying everything and the lady just cries when asked a question.
So they have changed their statements which the police have all records of but still not enough evidence.
She gave the receipt and the original statement to the court which state unknown transaction, to which their lawyers said it is fake, the judge at the time just left that in the air, we are dealing with a new judge now who doesn't know what to think. It is a legit receipt too.
This is when the bank started denying her even giving the cheque in.
When she called the main office for a new statement there is nothing listed on it. those two transactions; her putting the money in and it going out are now not there.
Witnesses in the bank spoke against what the manager is saying but the judge still wants solid evidence to close the case.

[Neoglow]

@Tuvok yes thank you my net was running slow and kept refreshing which must have lead to a duplicate post.

[Neoglow]

@ Old_Geezer yes the attitudes are terrible, the judge seems a bit spaced out also, he never even heard of the cheque clearing company. I will tell my friend to push the investigation towards the senders side. Thanks.

[factor-fiction]

This all seems far too unusual for anyone here to be able to help. I hadn't realised all this has been to court and was being dealt with by a judge.
Has the money gone out of the account of the person who raised the cheque?

[Neoglow]

@redman41 yes this would be proof and she gave this into the court, which the other side claimed was fake, the judge at the time didn't agree with them but didn't conclude anything either. Ridiculous in my opinion. We have a lot of evidence but apparently not enough.

[factor-fiction]

What was the court case?

[Tilly2]

Does your friemnd not have a solicitor asking questions for her?

[Neoglow]

@factor-fiction yes unusual indeed. The funds have gone out from the senders account I was told this was covered many months ago in the investigation. But as stated I will tell her to push the investigation towards that side again.
The Banking Ombudsman stated they cannot help as it has turned into a criminal case, which is why I believe they want extremely solid evidence, whatever that is.

[Neoglow]

Her solicitor seemed a bit dull, he was a family friend, the police are pretty much carrying out the investigation with the q & as. I am just trying to quicken things up with any holes left out.

[factor-fiction]

Thanks for the update. I just can't see how something like this can possibly be so complicated to sort out. The facts should be easy to establish without a criminal court case, an old judge, a new judge. It doesn't add up to me so I'll pull out of this one and watch from the sidelines

[Neoglow]

@factor-fiction thanks, Yeah this has me scratching my head a lot, simply put you don't expect your bank to lose your money, and if that did happen you would think it should be an easy trace. But this is going crazy. The old judge new judge thing is like this, one judge was taking care of this case but when the date was fixed, he was going to be out the country so another judge took over. Is this normal I have no idea, but that is what happened.