OBC refund expired!?!

[BrittersC]

I just went to cash the check for my OBC of over $550 usd only to discover the check has expired after 90 days. I totally forgot about it, is there anyway to get it re-issued? I’m so upset, things were just so busy after Christmas that I totally forgot. Any advice would be greatly appreciated! 

[Potstech]

Call Princess as no one here can do anything for you.  Good Luck and let us know the results.

[BrittersC]

I realize that nobody on here can fix the issue, I was just wondering if this has happened to anyone else. 

[Aus Traveller]

Do checks expire in 90 days where you live? That is tough. In Australia, a cheque is valid for 12 months, but that rule doesn't help you.

[caribill]

2 hours ago, Aus Traveller said:

Do checks expire in 90 days where you live? That is tough. In Australia, a cheque is valid for 12 months, but that rule doesn't help you.

 

In the USA a "normal" check is considered "stale" after six months and extra effort is required to cash it.

 

But the check from Princess is not a "normal" check. Printed on it is a statement that the check is good for 90 days. This is common for refund checks and from various companies that have promotions. In practice many say valid for only 60 days.

[Aus Traveller]

1 hour ago, caribill said:

 

In the USA a "normal" check is considered "stale" after six months and extra effort is required to cash it.

 

But the check from Princess is not a "normal" check. Printed on it is a statement that the check is good for 90 days. This is common for refund checks and from various companies that have promotions. In practice many say valid for only 60 days.

I banked my within a couple of days of receiving it. 🙂

[CineGraphic]

Most banks allow you to deposit a check via your mobile phone and the bank's app....no trip to the bank needed.

Wow....$550 is nothing to sneeze at. My guess is that the odds of getting them to cut you another check are slim to none. I hope I'm wrong!

[richmke]

My 2 cents: The check is considered "unclaimed money". They probably put 90 days on there to encourage you to cash it promptly, and so they don't have a lot of valid checks floating out there. As "unclaimed money" they should be pretty good about reissuing a check. FWIW: The expiration date may help with check re-issuance since they don't have to put a stop payment on the old check.

[Coral]

I would try to deposit it and see what happens.

[richmke]

7 minutes ago, Coral said:

I would try to deposit it and see what happens.

Risky. If the check bounces, the bank may charge you a $25 returned check fee.

 

Although, I have called companies in the past about expired checks. They told me to deposit it anyway. With "positive pay", the company can flip an electronic switch and reactive the check.

 

Edited April 27, 2019 by richmke

[Coral]

Just now, richmke said:

Risky. If the check bounces, the bank may charge you a $25 returned check fee.

I would still do it.

[MissP22]

4 hours ago, richmke said:

Risky. If the check bounces, the bank may charge you a $25 returned check fee.

 

Although, I have called companies in the past about expired checks. They told me to deposit it anyway. With "positive pay", the company can flip an electronic switch and reactive the check.

 

Here in Florida they use make it a point to charge you with for just about anything and not blink an eye.

The only recourse you might have is threatening to close all of your accounts and go elsewhere for your banking which isn't hard to do lately since most of our banks are offering special incentives (up to $500 per account) to get people to open new accounts.   

[CruisinFinsUp]

14 hours ago, BrittersC said:

I just went to cash the check for my OBC of over $550 usd only to discover the check has expired after 90 days. I totally forgot about it, is there anyway to get it re-issued? I’m so upset, things were just so busy after Christmas that I totally forgot. Any advice would be greatly appreciated! 

 

 

I see you are in Canada - me too.   I would speak to your bank branch manager / supervisor in person, and call Princess customer service (ask to be put thru to cust service - not the initial folks that answer the phone) with the bank rep on the phone too.   That way you can all figure out together what the best option is and avoid any fees if the plan doesn't work as discussed.  

 

Princess uses a 3rd party company to issue the cheques so some back and forth is required to figure it all out.   

 

I'm sure you'll get your money - just will take awhile.   

[pms4104]

40 minutes ago, MissP22 said:

Here in Florida they use make it a point to charge you with for just about anything and not blink an eye.

The only recourse you might have is threatening to close all of your accounts and go elsewhere for your banking which isn't hard to do lately since most of our banks are offering special incentives (up to $500 per account) to get people to open new accounts.   

I've changed banks.  Not that quick and easy.  If you have any direct deposits or auto-pay, it may take a couple of months til all is squared away.  Further those bank incentives likely are taxable.

 

Probably best to phone Princess, as the bank is not at fault for rejecting a no longer valid check.

Edited April 27, 2019 by pms4104

[BrittersC]

Thanks everyone. In Canada I can’t just take a photo of the check to deposit it as it doesn’t say that it is in USD, so I had to open up a US account to receive the funds with my bank so I don’t get screwed on the exchange rate again. I’m really hoping that they will re-issue me another check. It completely slipped my mind. 

[MissP22]

4 hours ago, pms4104 said:

I've changed banks.  Not that quick and easy.  If you have any direct deposits or auto-pay, it may take a couple of months til all is squared away. 

Further those bank incentives likely are taxable.

Probably best to phone Princess, as the bank is not at fault for rejecting a no longer valid check.

No doubt, but then again what isn't these days?

Maybe a $500 winning in the Princess casino. 😄

[land lover]

13 hours ago, CineGraphic said:

Most banks allow you to deposit a check via your mobile phone and the bank's app....no trip to the bank needed.

Wow....$550 is nothing to sneeze at. My guess is that the odds of getting them to cut you another check are slim to none. I hope I'm wrong!

 What? you are wrong... they will cut another check....I am one, who let's just say seems to lose or throws checks away  ...the company "owes" the OP money..they want to have their books cleared. Have had several checks reissued ☺️not by "Princess" but by other vendors...

How does Princess know the OP even received the check...he could call up on Monday and ask where his refund check is and say he never received it.

 

OP they will issue you another check no worries...

Edited April 28, 2019 by land lover

[land lover]

13 hours ago, Coral said:

I would try to deposit it and see what happens.

 

13 hours ago, Coral said:

I would still do it.

 ....if the OP was in the U.S.  I totally agree..I have deposited dividend checks past their 180 days...Direct and photo deposit does have its benefit for us check misplacers but I still like options.

 

 

[Thrak]

I am still somewhat boggled that someone could simply "forget about" a check for $550. The OP must have a much greater income than I have.

[BrittersC]

42 minutes ago, Thrak said:

I am still somewhat boggled that someone could simply "forget about" a check for $550. The OP must have a much greater income than I have.

 

Thank you for your reply. I was grieving the loss of a family member, so yes I “forgot” to cash the $550 check. I can assure you it has nothing to do with my income, and all to do with our recent  loss. 

[Fouremco]

On HAL and Celebrity, we've always had the option of taking any refundable OBC left at the end of the cruise in cash from guest services or have it refunded to our credit card. Does Princess offer any option to issuing a cheque? 

[BrittersC]

No any remain OBC over $25 they issue you a check. I just spoke with Princess and they are going to re-issue me a check thankfully. It will take 4 weeks but that’s better than nothing! 

[pms4104]

15 minutes ago, BrittersC said:

No any remain OBC over $25 they issue you a check. I just spoke with Princess and they are going to re-issue me a check thankfully. It will take 4 weeks but that’s better than nothing! 

Great news!

[Sillyjilly]

On 4/28/2019 at 1:28 AM, Thrak said:

I am still somewhat boggled that someone could simply "forget about" a check for $550. The OP must have a much greater income than I have.

 

Wow, that was super helpful.................NOT.

[Sillyjilly]

40 minutes ago, BrittersC said:

No any remain OBC over $25 they issue you a check. I just spoke with Princess and they are going to re-issue me a check thankfully. It will take 4 weeks but that’s better than nothing! 

Great!