> My  cheque was written on 12th May 1996 and posted within a
> day or two of that date. To date I have no CD. I will admit
> that the cheque also hasn't been cashed (and probably can't
> be now).

It's my understanding that all the cheques more than six months  
old will have to be returned to the sender for authorisation.

This may cause some problems.

Dan