thanks for your reply but bank policy on overseas cheques that no money will be paid untill it has been cleared by the other bank then if the cheque bounces no one is hurt, but the bank sent her a letter saying they had negosiated the cheque and was paying the money into her account even if she was scammed the bank did not follow its proceedure about overseas cheques and why send her a letter saying they had negosiated the cheque on her behalf that does not give the bank the right to ignore her and if it is common then the banks are not safe or concerned about there clients every one wants to earn a little bit extra but we live in a sick world so who do we trust to look after our money if the banks can not so there is loop hole in the banks systems to allow scams like this its scary