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2016.09.16 - Reasons for not accepting post dated checks
Video about post dating a cheque in uk:
Stuart Cliffe of the National Association of Bank Customers said they do get a steady trickle of complaints for this popularly held misconception. And he confirmed that post-dated cheques are not honoured because a cheque is a bill of exchange payable on demand. Many banks state in their terms and conditions that post-dated cheques should not be written while some include a note at the front of chequebooks, advising that post-dated cheques should not be written. However the cheque would be evidence of the debt in the event of a dispute. If I agreed with the person I was giving the cheque to that I could post-date a cheque but I am later charged as it was paid in early, can I reclaim this charge from my bank? He contacted his bank, the Halifax, to ask it why it had paid the money out, and he was told the bank did not honour post-dated cheques.
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