Cheque fraud

When someone purposefully gives you a cheque that they know you can’t cash, it is known as 'Cheque fraud'.

Types of cheques used for cheque frauds:

  • Stolen cheques – Intercepted in the post.

  • Altered/tampered cheques – Payee amounts and/or names may have been either altered or the security features of the cheque may have been tampered with.

  • Counterfeit cheques – a completely fictitious cheque.

  • Forged cheques – where the signature on the cheque has been forged.

Things to watch out for:

  • Something suspicious with the way a cheque is written or the look and feel of the cheque.

  • Cheques that are for greater amounts than what you asked for.

  • If you are selling goods online and a potential buyer;

    • does not negotiate over the price

    • does not ask to view the item they want to buy.

Quick tips to stay safe:

  • Only accept a cheque or Banker’s Draft from individuals you trust.

  • Don't give/provide any goods or services until the cheque has cleared.

  • Do not accept a cheque for a greater amount than is requested.

  • If you have paid a cheque into your account with us, which you believe to be fraudulent, let us know immediately by calling us on 03450 50 50 75. Our lines are open Mon - Fri: 8am - 8pm and Sat: 9am - 5pm.

  • Don't pre-sign any blank cheques.

  • Always ensure no spaces are left, if there is space put a line through for no additions.

  • Write clear amounts, include the account holder's name.

  • Report lost or stolen cheque books immediately.

Report Fraud

If you think you've been a victim of fraud or if you suspect fraudulent activity on your account with us please contact us to report it immediately.

We may monitor or record our calls for security purposes.

You can also report this to Action fraud on 0300 123 2040 (Lines open 24 hours a day.)

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