cheque book fraud

[luckyman]

if i went and cashed all my cheques out of my book using my 100 pound guarantee card....with no funds in my account,,,,,can i be brought to court? is it not just a civil case where one would be chased by creditors and blacklisted? im expecting money to go in next week...skint and curious!!

[Buenchico]

If the cheques were guaranteed by the use of the cheque card, you'd only have one creditor (i.e. your bank).

When your cheque is guaranteed by the use of a cheque card there is 'an implied representation that you have the authority to bind the bank to honour the cheque'. If the terms of your contract with the bank make it clear that you should not use the card to guarantee cheques when you've insufficient funds, there is the possibility that you could be charged, under the Theft Act, with 'obtaining property by deception'.

See the Crown Prosecution Service website:
http://www.cps.gov.uk/legal/section8/chapter_a .html#27

Chris

[mummy_Heth21]

lol no you wont be blacklisted or chased by creditors. you will be charged for not having sufficent funds in your account and all you need to do is ring the bank and tell them that you have sufficent funds going in or set up a payment plan or whatever

I had a mate who did this with 3 cheque books and racked up �1500, think the bank would stop sending the cheque books wouldnt you.

the bank want this resolved as much as you.just ring them