1.Was the cheque payable to your name, or "anyone" (a cash cheque)? How can another person "using" your name to deposit or cash the money from it?
2. Usually for cashing a cheque, bank teller would ask you for an ID (eg. driver license) and write down the number. (no matter payable to a definite name or "cash". and no matter your own bank or not) Then you need to sign (endorse) the cheque.
3. Usually for depositing a cheque with a definite payee name to the bank account, bank teller would ask you for the bank card or bank account number that matches the name on cheque. Sometimes also ask you to endorse it.
4. Unless, that person (who took your money) has the same name of yours. Or can sign like your signature (I don't think there is a signature at the back of the returning cheque, right?)
5. If not, probably the bank's fault to make this mistake.
I still haven't receive the cheque yet. I should be able to get it tomorrow or monday.
at this time i won't be able to know what is the name in the payable section. Its a cheque
from Mazda. They should have my name listed there.
I think the person must have deposit the cheque through bank mechine. That is the only
way I can explain why it had no signature at the back.
My last name had a very unique spelling. its not typical HK/TW last name. The chance
of having the same name is almost to none. According from Mazda, there isn't any signature
at the back of the cheque.
Chance is someone stole your cheque and changed the payee name in a professional manner.
When I was in my previous company, I ran 100 cheques in one cheque run. One of the cheque was stolen, and the Indian lady changed the payee name in a professional way; as if her name was printed on the cheque. She took our company cheque to Money Mart and tried to cash it but the teller was very smart and notice the different. They called me and verify did I issue that cheque for her.
Sometimes, bank teller can be careless; that's why I always highlight the important thing for them. Unless it's something obviously odd, I don't think the bank teller will ask you to provide a piece of ID; especially in a busy branch.
If thats the case, should the bank responsible for that mistake they have make?
They should be able to trace down who and where the cheque deposit/cash to.
If thats from a pro, I'm sure they already a way to get away with it.
I'm talking about deposit the cheque through the bank mechine.
but I agreed with Utopia, the person must have changed the name to deposit the cheque.
If thats the case, how come Mazda didnt notice the name been changed when they received
the copy of the return cheque. em.. 真係耐人尋味
原帖由 daimo 於 2008-5-1 11:21 發表
The cheque issuer's bank should be able to request the other bank to confirm that the thief's account does not belong to you.
if you haven't received the cheque , then why are you liable? The chequ ...
Thats what i thought too. I have called Mazda so many times to follow up with the issue.
Lady from End of term department told me, giving me the copy of the return cheque is the last thing they
can do. Obviously they dont want to deal with it.
you should talk to the bank who cashed the cheque...... it's their fault that they didn't catch the fraud, especially if there's no signature and ID at the back.
發表於 2008-5-1 10:25
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