Read this Agreement carefully. Find your nearest redemption location and local customer service phone numbers. Protect your travel money. Travelers Cheques may be refunded if lost or stolen. Redeeming your Travelers Cheques. Travelers Cheques are backed by American Express.
Travelers Cheques never expire. Unused Travelers Cheques can be used for future trips. Never expire. Travelers Cheques Service Centre. How to use Travelers Cheques 1.
Sign As soon as possible, sign your name on the upper signature line to help protect yourself in case of loss or theft. Record Write down your serial numbers and keep them with you when you travel, separated from your Travelers Cheques. Protect Safeguard your Travelers Cheques as you would with cash. Use To redeem, sign your Travelers Cheque on the lower signature line in front of the person accepting your Cheques.
Locate serial numbers Have the serial numbers for your lost or stolen Cheques on hand when you call. Receiving your refund If your claim is approved we will help determine the best way for you to obtain a refund.
Where do I sign my Travelers Cheques? How do I cash Travelers Cheques? Is there a fee to cash Travelers Cheques? Do Travelers Cheques expire? Travelers Cheques do not expire. Terms and Conditions Following are the terms and conditions for obtaining a refund for lost or stolen Travelers Cheques.
You have not signed the Cheque in the lower left-hand corner. You have not given the Cheque to another person or company to hold or keep, or as part of a confidence game. You have not used the Cheque in violation of any law, including as part of an illegal bet, game of chance or other prohibited action.
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Based on 1st recommendation a Claim will be deferred or approved. If you lost cheques worth of USD or more, the Claim will be initially deferred for verification. Even though the fax went through and I have a verification report of transmission, I later called back 6 weeks later and AMEX claims said they had no record of it. So, I filed a claim over the phone. I then called back 6 weeks later, they tell me it take 60 days, and 60 days is the 29th of November I call back again to check the status of the claim, they say check back.
They tell me they will have to call me back. I had a claim with Citibank for Travelers checks - I had payment in one week. I have been a long time AMEX customer, since Their claims department must make money for not honoring claims! I have euros in American Express travelers cheques left over from a trip to Europe.
Back in Costa Rica is impossible to cash them. After going to many Banks and get rejected, I filed a complaint and send it with the purchase receipt to American Express in Salt Lake City. They call me back and were unable to help me cash the cheques, ask me to mail the cheques to them, to see what they can do about it.
I feel deceived, because when you purchase the cheques, they say you will be able to cash the ones left over when you return. I will follow their procedure and like in the middle ages send the cheques by courier and hope to get my money someday.
Bought 2 of pound checks, worth of USD and went to France. They look at it like trash, or Toilet paper. At least 5 hotels, and 7 shops where tourist would frequently go such as Morgan, and H and M.
Totally useless, and will wait to go back to stateside and deposit into my personal acct. It's been 13 years since last time travel to Europe. Totally different world after the US and European financial Crisis. Now everything is SCAM. Will only carry cash from now on.
I have lived and worked in Korea for 15 years. When I first came to Korea in , I learned quickly how expensive it is to send money to the US via wire transfer.
The mail from Korea to the US only takes about 10 days or so, and that was not a significant delay. Then I signed on the back and marked the checks for deposit only, with my checking account number below my signature. There is absolutely no way that any other person could cash these checks. I violated no rules stated on the purchase agreement that I received. The purchase agreement did state that I must sign the check on the top line immediately upon purchase and, later, on the bottom line in the presence of the person accepting the check.
Since I was both the check purchaser and acceptor, I was, of course, signing in my own presence. Sending TCs through the mail system is no less reliable than carrying them in a backpack or purse. In any case, mailing a TC does not violate any requirements of the purchase agreement. American Express Travelers Checks are safer than cash. If they are ever lost or stolen, the funds may be refunded Americanexpress. Of course, AMEX has an office in Seoul, where I live, so I had nothing to worry about as far as ease of obtaining a refund is concerned.
AMEX states that, to get a refund, You give Issuer or Amexco all reasonable information and help requested to make a complete investigation of the loss or theft travelers check purchase agreement. She endorses the check and marks it for deposit only with her bank account number on the back. She walks out of the house and goes to the bank to deposit it into her account. Along the way, she is robbed of her purse and the check, or she is injured, losing control of the check, which blows away in the wind.
Wouldn't any logical person think so? Wouldn't you be shocked if AMEX told you that, under the conditions that I just described, they have no legal obligation to issue a refund? Every time I bought a TC, I was given a purchase agreement. For any company to attempt to make material changes to a contract without the consent of the other party is both unethical and illegal.
In due time, I was to discover that all five of my assumptions detailed above were completely false. Here is the reality with respect to my assumptions:. Indeed, AMEX claims that they have no legal obligation to refund lost travelers checks if they were lost in what AMEX calls a negotiated state, that is, signed on both lines and made payable to someone but lost and not negotiated.
AMEX refused to give me the address of their Seoul office. It took five months to get a refund! However, after I filed my claim over the phone, which is what AMEX required, they still forced me to fill out additional documents later that said the same thing as the information that I had already given over the phone.
They also required me to make photocopies of my passport, driver's license, and alien registration card in Korea. It appeared that they were deliberately delaying and making unnecessary and unreasonable demands for information that I had already given.
The claim form was even supposed to be notarized.
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