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Dates are not always checked closely, so you run the risk that cheques will be cashed before you wish and you could end up in the red.Occasionally, I like to skim through Reddit’s personal finance section for any interesting money topics.Conclusion: the date you write has no significance and is no protection.Post-dated cheques are not a reliable or trustworthy hassle-free method of managing bank account cash inflows and outflows.

Lloyds refuses to take responsibility for its mistake. A spokesman for Citi said: "Clients need a financial institution they can count on for the long term, so Citi is pleased to assist in covering the value of these cheques in this instance." You tell us that in the meantime you escalated your complaint with Lloyds. Talk Talk has refused to provide any information about the VAT charged on our phone and internet account. Energy is subject to a reduced rate of VAT at 5 per cent.Essentially, I don’t see any point in post-dating a check — it is valid from the moment that I sign it.Then, I spoke with a friend who happens to be a Chase banker, who generalized what a teller would do if a customer came in to deposit or cash a post-dated check before the date shown.The answer unfortunately seems to be yes, I would be on the hook.If a had a problem I should speak to the cheque recipient who had presented the cheque early.

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We took off the Friday before and booked two adjoining and connected rooms at a resort hotel a few hours' drive from where we live down in Key West called Casa Marina.

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