ChatterBank0 min ago
Is there a time limit in how long you have to cash a cheque?
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Strictly speaking, it's no longer valid.
The most straightforward option is to return the cheque to show you've not cashed it and ask for a replacement but you could plead innocence and try to pay it in.
"Out of date? I didn't even notice the date, my partner just asked me to pay it in. 6 months you say?"
I agree with the 6 month rule, but I believe think there is another point.
As a cheque is not legal tender (money) the writer of the cheque is obliged to issue another check if the first one is reported missing etc. So you could get in touch with the issuer and request another cheque.
I had a �lost' dividend cheque that was found 3 years later. It was replaced by company without any problems.
I have just had a cheque for �199.99 come out of my account on the 8th May this year. I did not write the cheque so I contacted my bank for a copy and the date of the cheque was actually the 16 July 2002 - so I called and asked how long I would have to cash a cheque and they said a cheque can be cashed anytime withing 6 years!!!!
I am now in the process of recovering the money which is going to take about 3 weeks!!!!