Bounced cheque

[zante2000]

If someone pays me a cheque that bounces can I represent the cheque to the bank and try again. If it bounces again they can keep incuring costs. They can keep paying �25 costs for a �10 cheque.

[Oneeyedvic]

When the cheque is returned it will either say

"please re-present" or words to that effect

or

"refer to drawer"

If the former, then you can represent the cheque, if the latter, the bank will not let you pay it in again.

[spudqueen]

When I worked for a bank you could re-present a cheque three times (if it said please re-present), though each time it would incur charges if it was returned unpaid. This is sometimes done if there are uncleared funds on the account, though there is no guarantee that if you pay it in a second or even third time it would be paid.

[zante2000]

Thanks for the quick responses. There is only the banks address and and a lot of numbers on the back of the cheque. I will have to go into the bank and ask. Will I at any point start to incur any charges do you know?

[Oneeyedvic]

Best ask your bank - each bank can have different policies

[khana]

If they have sent the cheque back to you then its been returned Refer To Drawer and can not be paid in again. You need to either obtain a new cheque or get cash instead.

Refer To Drawer Please Represent as someone has already mentioned is normally done a maximum of 3 times and is autotmatic eg, the Bank witll debit your account fore the cheque paid in and then pay it back in again with a whole new set of clearance days until it either clears or gets returned back to them.

The cheque really should have RD or RDPR written in red along the top.