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A postdated check offers the promise of controlling the uncontrollable: As time marches forward, you may wonder what the date on a check really does.Whether you received a postdated check or you’re thinking of writing one, it’s important to know how they work — and that they often don’t work the way you might expect. People usually postdate checks when they want the recipient (the person or business receiving the payment, also known as the payee) to wait before depositing the check.A postdated check is a check with a future date written on it. Two potential reasons for this include: No fraud allowed: There’s no law making postdated checks illegal.It is illegal to write a check when you know you don’t have the funds to cover it, but things get a little fuzzy – and details depend on state law – when you postdate a check (assuming it is accepted as payment).Ask first: What’s more, a postdated check might not be an acceptable form of payment.You’re allowed to to pay with a postdated check, and businesses are allowed to reject those payments because you haven’t really made a free-and-clear payment.The banks have been bombarded by customers challenging them to refund fees worth millions of pounds.Campaigners say that under the 1999 Consumer Contracts Regulations, banks may only charge what it costs to process defaults.

They were asked to take account of all the expenses banks might face in dealing with customers' defaults and come up with the highest costs banks could justify.But that might be hard to prove, and the amount involved—the bounced check fees—probably aren’t enough to sue over. If they weren’t, “pay day” lenders, and other crude forms of credit, couldn’t exist.Only “properly payable” checks are supposed to be cashed by banks.The bank’s not responsible, since the law lets banks cash post-dated checks before the date on the check.You could go after the person you wrote your check to, on the grounds that he broke an agreement to hold off on cashing the check.Some women might find that dating someone who just ended a LTR comes with a bit of baggage (whether it’s true or not), so don’t rule yourself out as a potential mate before you even get a chance to show her how amazing you are.