Can the bank ‘UNCLEAR’ cleared funds?

[des8]

Re: Hello Lovely People!

Hi and welcome.
For most Banks if a cheque is returned by the paying bank after the close of business on the sixth day after paying in, they cannot debit your account without your permission unless you were involved in fraudulent activity over it.
Which bank is involved?

[Nicola Bell]

Re: Hello Lovely People!

hello,
I've had a quick look but doesn't seem like anyone has the same issue as me.
My issue is that I took funds from a cheque that had cleared in my account. The cheque bounced - both the bank and I knew that it would when they cleared the cheque but they cleared it anyway as the 6 days were up and a replacement cheque was on its way. However, the replacement cheque bounced too and they then wanted the money back from the first cheque and so helped themselves to it from my account leaving me overdrawn. Am I entitled to keep the funds, (which would be a windfall for me) as the cheque was cleared and the money was legally mine? If yes, then how can I enforce this? Any thoughts?????