Good evening friends.

I thought I should share this after encountering several incidents.

There is a syndicate stealing cheque leaves from your chq book when you take your car for a carwash.

90% of men put their chq books in the dashboard closet. These guys pluck a cheque leaf plus the counterfoil so you can't notice unless you are those hawk-eyed types who follow their cheque numbers.

They draw the cheque with a forged signature and the funds are withdrawn, mostly in a different bank. The signatures are almost perfect.

Here is the sad part, just like ATM cards, when a cheque book is under your custody, the bank is not liable.

So how do the fraudsters know your signature ? At the office, I would tell you, "the matter is under investigation". But I will be honest here ; we recruit from a rotten society, so yes, we do have a few rotten apples amongst our staff.

I am wondering whether the account holder can instruct the bank to always call him/her first before clearing any cheque?

If cheque leave is "genuine" plucked from your chequebook then there is aspects of responsibility on the account holder if the bank pays.

In such cases negligence has to be proven on the part of the client.

A good example of this involves an employee of the client forging a signature. The bank can then claim shared liability with the client.

She is a teller at certain FOSA located on Moi avenue

Are you sure????

Why would they waste their resources calling someone with an average operating balance of 5K every month?

When you educated these guys they claim you are a FOSA teller. Let them be stolen from kabisa.