Can banks locate old cheques?

isidore · 24th June 2007, 21:24

I'm writing this in relation to another thread I have opened this weekend.

Basically I need to find out information regarding a cheque I wrote in 2003 - hopefully proof of who it was written to or who cashed it. Before I ring the bank tomorrow - note a bank I am no longer with (accounts are closed and have been for 6 months) and also a bank that I claimed over £3k from in banks charges - I wanted to know from the inside what exactly the banks can locate, what I need to ask for and what sort of response I am likely to get from the bank?

Just wanted to see what information you can give me in case they try to fob me off.

If it helps, I will be ringing RBS.

Thanks in advance

barracad · 24th June 2007, 21:49

Last week I managed to get a copy of a cheque from NatWest which was written in April 2004. This was for a business account and they did say they had to retrieve it "from their archives". No doubt there was a ridiculous fee involved for providing a copy but I have no idea how much!

Yoda · 24th June 2007, 22:26

Wrong bank I know but YB also archive their cheques and would charge you a fee to retrieve it. I think the retention period on cheques was 6 years autolinker.com autolinking image

.

Good luck

maggie · 24th June 2007, 22:44

Hi Taff,
this is another Taff,Maggie.
The answer to your question is yes.I asked the Halifax to find a cheque my deceased Dad wrote 5 yrs before he died.I told them I needed to know the amount of the cheque,the person it was made out to,and the date,as I believed the signature autolinker.com autolinking image

wasn,t his,and it was fraudently signed.Hope this helps.

Maggie

maggie · 24th June 2007, 22:45

My Dad,s account had been closed for 5 months .
Maggie

ice maiden · 25th June 2007, 22:56

Some bank terms and conditions autolinker.com autolinking image

state that they keep cheques for 6 years autolinker.com autolinking image

. I believe the Banking Code autolinker.com autolinking image

also states the same.

isidore · 25th June 2007, 23:03

Update, bank has agreed to supply me with copy of cheque in 48 hours for the measly sum of £4. Happy with that.

Thanks for responses all.

24th June 2007, 21:24	#1 (permalink)
isidore Classic Account Holder Protect your signature with SignGuard Cagger since : Aug 2006 I am in: South Wales Posts: 1,616	Can banks locate old cheques? I'm writing this in relation to another thread I have opened this weekend. Basically I need to find out information regarding a cheque I wrote in 2003 - hopefully proof of who it was written to or who cashed it. Before I ring the bank tomorrow - note a bank I am no longer with (accounts are closed and have been for 6 months) and also a bank that I claimed over £3k from in banks charges - I wanted to know from the inside what exactly the banks can locate, what I need to ask for and what sort of response I am likely to get from the bank? Just wanted to see what information you can give me in case they try to fob me off. If it helps, I will be ringing RBS. Thanks in advance __________________ If my post has been useful, tip my scales and let me know Always start with the User guide! Stuck with RBS charges? Click here!! RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!! Last edited by isidore; 25th June 2007 at 10:57.

24th June 2007, 21:49	#2 (permalink)
barracad Royalties Account Holder Protect your signature with SignGuard Cagger since : Mar 2006 I am in: (near) Stoke on Trent Posts: 10,525	Re: Can banks locate old cheques? Last week I managed to get a copy of a cheque from NatWest which was written in April 2004. This was for a business account and they did say they had to retrieve it "from their archives". No doubt there was a ridiculous fee involved for providing a copy but I have no idea how much!

24th June 2007, 22:26	#3 (permalink)
Yoda Basic Account Holder Protect your signature with SignGuard Cagger since : Aug 2006 I am in: Yorkshire Posts: 49	Re: Can banks locate old cheques? Wrong bank I know but YB also archive their cheques and would charge you a fee to retrieve it. I think the retention period on cheques was 6 years. Good luck

24th June 2007, 22:44	#4 (permalink)
maggie Basic Account Holder Protect your signature with SignGuard Cagger since : Mar 2006 I am in: WALES Posts: 599	Re: Can banks locate old cheques? Hi Taff, this is another Taff,Maggie. The answer to your question is yes.I asked the Halifax to find a cheque my deceased Dad wrote 5 yrs before he died.I told them I needed to know the amount of the cheque,the person it was made out to,and the date,as I believed the signature wasn,t his,and it was fraudently signed.Hope this helps. Maggie

24th June 2007, 22:45	#5 (permalink)
maggie Basic Account Holder eBay user? Find misspellings and zero-bid items Cagger since : Mar 2006 I am in: WALES Posts: 599	Re: Can banks locate old cheques? My Dad,s account had been closed for 5 months . Maggie

25th June 2007, 22:56	#6 (permalink)
ice maiden Basic Account Holder Try our new digital signature service Cagger since : Mar 2007 Posts: 24	Re: Can banks locate old cheques? Some bank terms and conditions state that they keep cheques for 6 years. I believe the Banking Code also states the same.

25th June 2007, 23:03	#7 (permalink)
isidore Classic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : Aug 2006 I am in: South Wales Posts: 1,616	Re: Can banks locate old cheques? Update, bank has agreed to supply me with copy of cheque in 48 hours for the measly sum of £4. Happy with that. Thanks for responses all.

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