I have little knowledge about cheques and their process so please ask for more info if needed.
A person close to me wanted to suprise me with a cheque for Christmas. We both live in seperate countries at the moment and thus she specifically went out of her way (and paid extra) for what she called a Euro cheque. This cheque meant that the money was taken out of her account and held by the bank until it was cashed in.
As of recent my bank only allows cheques to be sent off to the main office for clearance, and are no longer allowed to be lodged at my or any branch.
I sent the cheque she gave me and it got rejected with the reason:"No account relationship with bank." Although this was surely annoying, it's not the main problem.
I have told her that the cheque got rejected so she could cancel it. Her bank has insisted that she can only cancel such a cheque whilst it's in her possesion.
I rang up my bank a few times now and have had no luck in getting the right people on the phone (I know..). My bank also states in the rejection email that the returning of a rejected cheque is not guaranteed.
Is it standard for a bank to need the cheque to cancel it? (what about if it was intercepted, surely you can cancel before you're plunderd?)
Is there any way to bypass this?
What can I do to swiftly get that cheque back off the bank?
Any tips or help is greatly appreciated as both she and I are not in posession of the money/cheque in question right now.