I got a cheque "returned" to me unpaid by the CoOp bank. It wasn't made out to me, and I'd never seen it before. I phoned the bank and said there was an error, this cheque was made out to a plumbing company 100s of miles away from me.
The lady at the bank was insistent that it had been in my pay in envelope which I'd handed in at the post office. I asked whether they wanted me to return the cheque, she said no, I should give it back to the customer and get them to amend it to be made out to me. After banging my head against the wall for around 15 minutes I gave up.
I googled the plumbing company and gave them a phone to explain what was going on, after hanging up a few times at the crazy jock trying to tell them I had a cheque with their name on it, the plumber eventually listened to what I had to say and I forwarded the cheque onto them.
Who knows, maybe the Nigerian prince has got 100s of millions that he needs to get out of the country.