Letter explaining a stolen cheque
Dear ...
[account name and number]
On [give date] I wrote a cheque [give the cheque number] for [give amount]. The cheque was made out to [give name] and was non-transferable.
The cheque was posted to [give name] on [give date] but was intercepted by a thief who, I understand from the police, forged the payee's signature on the back and paid it into his own account.
I believe that I took all necessary precautions to protect me and [give the payee's name] against the theft.
However, as the cheque was not credited to the payee's account I am entitled to be reimbursed. I look forward to [give the amount] being immediately credited to my account.
Yours sincerely
Point of Law
To make a cheque bankable only by the person you write it out for, you'll have to cross it and add the words "not transferable", "non-transferable", "account payee" or "a/c payee".
The only circumstance in which such a cheque could be bankable by someone else is if the cheque bounces and is passed to a debt collector or cheque guarantor agency.
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