13 Year Ok Cashiers Cheque

[Peashelll]

My dad has found a cashiers cheque dated in July 2000 for £670 from abbey. Can he legally ask abbey to issue a new cheque or honour the out of date cheque? It was a bit cheeky as the cheque was drape liked to the back of a letter so it was difficult to spot it so its not entirely my dads fault (he was probably drunk when he opened the letter!)

[tamborine]

Yes, the money must be in his account (with interest) if he hasn't cashed it

[Peashelll]

Stapleled not drape liked ... Damn phone

[Peashelll]

Thanks mark but how do you know this? From the research I've done it would appear that a cheque is only valid about two years. I want to make sure my dad is armed with all the relevant facts and legal stuff before he goes to abbey

[Buenchico]

Since there has been a continuous period of over 6 years when your father has made no effort to pursue the money that is owed to him (and, presumably, Santander hasn't acknowledged the debt by pointing out that the cheque was never cashed), the debt will now be 'statute barred', meaning that your father couldn't pursue the matter through the courts if Santander refused to pay up.

However it's unlikely that Santander would risk the adverse publicity that might come from a refusal to pay out, so they'd almost certainly honour the cheque. (It's possible that they might make some form of 'administration charge', cancelling out any interest due, but it's definitely worth pursuing).

[Peter Pedant]

yes of course

He night try presenting it first...

[Peashelll]

Again though why do you think they would cash it - it's 13 years old...