30 Sep 2009 12:00 AM:
can anyone tell me the spanish law on depositing a cheque in your spainish bank account..
i have recently sold my car in spain. i was sent a cheque from the uk to pay for the car and to pay for it to be transported to madrid to the new owner. i deposited the cheque in my la caixa bank account, and was told it wold take 15 days to clear. on the 15th day i went to la caixa and they told me the cheque was clear and would i like to withdraw any funds, i withdrew 50 euros. the next day i asked the bank if ,they could do a money transfer to the uk, and they did. a couple of days later i tried to use the la caixa atm, but it just said consult the bank. so i spoke to the cashier who told me the cheque was clear, and also did the money transfer, and she said you can not get money from the atm, but i can withdraw money from the account via her computer, when i asked why the atm would not allow to withdraw the funds, she told me, the cheque would not clear until the the 15th sept. shock horror!!!!!!
i had to return to uk, but on the 15th sept i used my la caixa card at a uk atm, i was able to withdraw money, so assumed the cheque had finally cleared..
yesterday, 29th sept, i received an email from la caixa saying the cheque was fraudulent and the money i had fransferred and withdrew, needs to be paid back asap.
i now have no money no car and a supposed ammount to pay back to la caixa.
surely the bank are at fault!!!!!!!!!!!!!!!
any info kindly appreciated
louise
Thread:
la caixa - proceddures on depositing cheques
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