Mr Saib then paid the cheque into his own account at National Westminster Bank's Cromwell Road branch.

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Contrary to common belief, banks have always been able to recoup money from a customer's account if a cheque bounced or proved to be fraudulent.

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"It seems there is a big difference between a cheque being cleared and funds in the account, " he adds.

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Money or Cheque Directly you can deposit in SUDAR Academy and Charitable Trust Account.

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The cheque guarantee, denoted by a Shakespeare hologram on a card, meant a cheque was honoured by a bank, even if sufficient funds were not in an account.

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