Quote:
Originally Posted by deltav
Huh? This isn't a British vs American thing. UK banks will also charge a stop payment fee, and if your billing company or sponsor is based out of the UK they will also pass that charge on to you (and rightfully so). Some banks (regardless of the country) will waive occasional fees like this if they happen infrequently for personal accounts or whatnot, but not for a large billing company that issues thousands of checks each week. This is just how it works.
I'm surprised this is such a new concept to some of you guys, but there ya go.
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We don't have an expiry date, which is where the heart of the confusion with the UK peeps is coming from
I, at least, considered an expired check as a void check that cannot be cashed. Previous posters have said why that's not the case, so in that respect yes, you'd have to cancel the check as in both instances the check is 'live', so to speak
This scenario wouldn't arise with a UK check, as it would never expire, hence the slight dumbfoundedness (on my part anyway) as to the whole charging to stop a useless check - which this thread has cleared up is not useless after all. So yeah, US banks are fucked up
