Stacey Solomon takes a tumble as the X Factor contestants are reunited for a celebration bash

After a stunningly successful X Factor series that drew in up to 20million viewers, the champagne was flowing at a celebration party last night.And having been on their best behaviour for months as they tried to win the title, it was no surprise to see the wannabes letting their hair downAnd Stacey Solomon has more to let down than most.

The X Factor contestant was a little unsteady on her feet as she left the show’s wrap party and took a slight tumble after twisting her ankle in her stilettos.

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Steady on there: Stacey twists on her ankle as she leaves the X Factor wrap party in London last nightIn a strapless black mini-dress with white fringing, she looked every inch the glamorous pop star she hoped to become, right down to her black peep-toed Christian Louboutin heels.But the shoes proved to be more trouble than they were worth for the 20-year-old Dagenham-born girl, whose footwear had also got the better of her during rehearsals for the show – she fell twice during a tricky dance routine.The mother-of-one, who has previously admitted that she is much more comfortable in her flat slouchy Ugg boots, was criticised by Simon Cowell on a couple of occasions during the series for her lack of fancy footwork.

Oops-a-daisy: She grabs a bouncer as her legs give way

Painful: Her left ankle twists right over

The same could not be said for her fellow finalist Olly Murs, who unfortunately wasn’t outside the Jalouse nightclub in London to give her much needed support. Although they arrived at the party separately, he had gallantly met Stacey from her car and made sure they were pictured together as they walked inside. But, as the rumours suggest, if there is a budding romance developing between the two and they were determined not to let on as shared only an innocent peck on the cheek before joining their fellow contestants. However, Olly doesn’t appear to be in a hurry to commit himself any time soon after a stunning brunette caught his eye as he left the party alone hours later, and seemed disappointed that he was immediately ushered away from her by his security.

Relief: Stacey kicks off her heels that sent her tumbling

Also making an appearance at last night’s bash were the twins we love to hate – none other than Jedward.

The Irish brothers, real names John and Edward Grimes, sported tartan jackets with black dicky-bows and their trademark quiffs, as they greeted the show’s choreographer Brian Friedman at the door.

Stacey greets fellow contestant Olly Murs at the door of the party

Olly is distracted by a stunning brunette as he leaves the
X Factor party

Hosts Dermot O’Leary and Holly Willoughby, who looked her usual stunning self in a short black dress and black and white bolero cardigan, also came along for a drink or two. And contestant Rachel Adedeji joined the party, dressed for the occasion in royal blue.

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X Factor losers Jedward and Rachel Adedeji toast the show

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Hosts with the most: X Factor presenters Holly Willoughby and Dermot O’Leary Notably absent, however, were the four judges, who failed to join their acts for the celebration, after Dannii Minogue was snapped jetting off to her native Australia yesterday. But of course, the night wouldn’t have been the same without winner Joe McElderry still wearing the huge grin he has had plastered across his face since he was announced as the victor on Sunday’s final show.

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Choreographer Brian Friedman and vocal coach Yvie Burnett join their former X Factor pupils

Despite being currently behind Rage Against the Machine on download sales as the race intensifies for this year’s Christmas number one, there was no shifting that beaming smile. Today he will boost his chances of taking the chart top slot when he releases his single on CD format with a special performance for fans, family and friends in his hometown of South Shields, Tyne and Wear.

X Factor winner Joe McElderry can’t stop smiling after his victory on Sunday’s final show

Sarah Jessica Parker proudly shows off photo of her ‘unidentical’ six-month-old twins

Sarah Jessica Parker proudly showed off a photograph of her twin daughters on U.S. TV last night.In the first picture seen of the babies since they were a few days old, the six-month-old siblings Tabitha and Marion look curiously at the camera wearing pink and blue babygrows.Appearing on The Late Show With David Letterman, the Sex And The City star revealed the twins were developing incredibly different personalities.

She said: ‘They are about as unidentical as twins can be.

‘They will be six months at the end of this month and they are physically, intellectually, spiritually, geographically, politically, ideologically and religiously as different as two small six-month olds could be.’ Parker, who is married to actor Matthew Broderick, admitted their seven-year-old son James Wilkie had adjusted well to the new arrivals. She explained: ‘He’s been very hospitable and he’s amused by them occasionally. ‘He’s annoyed by them sometimes but in fact I thought he’d forgotten about them – his world is pretty much his world which is most important.’ Balancing act: Parker said she had regrets about taking on such a busy workload while having newborn twins As Parker spoke about the joys of motherhood, she admitted she had been struggling to balance her busy workload with spending time with her twinsSince surrogate mother Michelle Ross gave birth to the girls in an Ohio hospital in June, Parker has been splitting her time between her family and filming the Sex And The City sequel in New York and Morocco.

In recent weeks, the actress has also been fulfilling heavy promotional duties for her new film Did You Hear About The Morgans?She said: ‘I’m probably faring as well as most working mothers in America and across the globe.’Some days are absolutely triumphant. Other days you’ve basically let everybody down and you lie in bed and live in regret and plan the next day.

All change: Parker left in comfy jeans and a velvet jacket, after arriving in a red skirt and burgundy cropped top earlier that evening ‘Every day is Groundhog Day basically. I don’t feel like we have taken too much on though, because we always so wanted a larger family. It is such a blessing and we are so lucky and privileged.’ Earlier this month, she admitted she had regrets about taking on such a busy workload. She said: ‘It’s been very different than when James arrived, since our family expanded in an untraditional way. We didn’t plan on having two, but were doubly blessed, and it’s been just wonderful. ‘One would prefer to be held 24 hours a day, and the other is already suffering from type A issues. It’s been amazing but complicated because of my current work schedule, which I have enormous regrets about.’



Peaches Geldof ‘almost killed’ in car crash on way to Disney World

Peaches Geldof narrowly escaped serious injury after being involved in a ‘full on car crash’ this evening. The socialite was on her way to Disney World in California with four friends when the driver’s foot slipped on the pedals, sending the car out of control and into a 360 degree spin on the freeway. Only minutes before the 20-year-old had boasted on Twitter that she was: ‘Speeding like I have never, ever witnessed before on the freeway – feel like I’m in a scary car chase video game.’

Near miss: Peaches Geldof claimed she ‘nearly died’ when her friend’s car spun out of control in California She then kept her fans informed: ‘Just actually experienced a full on car carsh (sic) with the IDGAF crew. Wow, I guess we really don’t GAF.’ Peaches refers to her four friends as the I Don’t Give A F*** crew. She quoted her female friend, who had been driving the car, as saying: ‘I was just trying to get us all to Disney on f****** time! My creeper slipped on the pedals! Its not my fault!’ The driver then Twittered that she had ‘almost killed’ Peaches and her three other passengers.

But it appeared that despite her joking tone, Peaches had been left upset by the accident. She Twittered: ‘Honestly can’t believe were alive after that. ‘And that the front of the car is totally f***** up and yet were still carrying on to Disney!?’ Another friend in the car, A J English, posted a photo of the damaged vehicle, which had a crushed bonnet and smashed bumper. ‘This is all that happened after a full 360 across three lanes of freeway traffic!?’ he wrote. Another passenger added that ‘the front of the car is all mangled and smoking maybe we can use it as a barbie?’ The driver also seemed surprised that they had escaped unharmed, Tweeting: ‘Lol @ death.’ Lol stands for ‘laugh out loud’.

Fears of travel chaos as weathermen warn south of England could be hit by up to eight inches of snow

Snow fell across many parts of Britain today, leaving commuters and Christmas shoppers facing the prospect of widespread disruption in coming days. The south of England saw its first snow of winter as Britain braced itself for temperatures predicted to plunge as low as -6C. Forecasters predicted some parts of London and the Home Counties could see up to 8ins – or 20cm – in the next few days. They warned the heavy snowfall predicted for Friday could cause commuter chaos across the region.

A woman heads off over the snow-decked ground in Richmond Park, Central London, with her dogs

Jamie Oliver and a friend took the TV chef’s daughter Petal Blossom Rainbow for a walk in the snow near his North London home today

Skaters enjoy the winter weather at Somerset House Ice Rink in London

The AA said that motorists across Britain could face difficulties as only half of all local authorities had salt stocks for gritting roads that would last for six days of continuous freezing weather. Although no weather-related problems were immediately reported on London’s transport network, bosses will be eager to avoid a repeat of the major disruption caused by previous cold snaps. Met Office spokeswoman Sarah Holland said there could be transport disruptions later in the week as the snow became heavier and urged people to keep up to date with forecasts: ‘Anyone driving should be keeping up to date with traffic and highway updates and looking at our website and the BBC’.

She added the snow would settle later in the week and may cause disruption for rail networks: ‘It has started to settle in places today with the temperatures below freezing, it was -7.5 degrees at Charlwood, near Gatwick Airport overnight.

A police officer stands outside the Prime Minister’s home as snow falls in central London ‘The maximum temperature across most of London and the south east was around one degree today.’ Temperatures dropped to -6C in some rural areas overnight, thanks to an icy blast from Siberia. Tonight is also expected to be cold although increased cloud cover will prevent temperatures falling as low as last night. More snow is expected in central and eastern areas of the UK tomorrow with rural parts of Kent and East Anglia the most likely locations for a snowball fight.

Cars edge past each other in Essex this morning as snow began to fall in the South for the first time this year

As snow falls, a stag takes stock in Richmond Park

Cutting a lone figure, a woman runs through the early morning frost in a park in London

More snow is expected later this week with many areas seeing a dusting of flakes by Saturday night. ‘It’s looking bitterly cold for at least a week,’ said forecaster Paul Mott, also from MeteoGroup, adding that it was too early to predict whether it will be a white Christmas. The prospect of December snowfalls comes after one of the wettest Novembers on record, with downpours causing widespread flooding and chaos.If the cold snap continues towards Christmas there are fears for salt stocks to keep roads clear in some parts of the country.

This barn owl looked bewildered by the snow as he tried to stay warm in Chessington World of Adventures and Zoo in Surrey today

It’s not only England suffering from cold temperatures in the run up to Christmas. In Siberia, more than 5,000 reindeer gathered together in an attempt to stay warm Half of local authorities have salt stocks to deal with iced-up roads that would last just six days of continuous freezing weather, according to the AA. The organisation’s president Edmund King said he had sought assurances from the Local Government Association there would not be a repeat of the February snow chaos on the roads. He said local authorities’ reliance on supermarket-style ‘just in time’ deliveries left too many of them vulnerable. Mr King said: ‘Around 1,000 people are killed or seriously injured on snowy and icy roads each winter and hospital casualty departments are often inundated with people who have slipped and fallen. ‘Investing in ice and snow clearance, to save elsewhere down the line, makes total sense.’

Slow flurries are expected today, left, with warnings of more tomorrow

The BBC’s five-day forecast shows a mixture of snow, sleet and sunshine

Cheques to be phased out in 2018, plus the top 10 facts about the paper payment method

Britain’s Payments Council has agreed to phase out cheques by October 31st, 2018, ending the practice after nearly 350 years. The payment method reached a peak in popularity in 1990, and has declined rapidly as plastic takes over.

Check out our list of ten facts you probably didn’t know below…

1. The first cheque ever written was made on the 16 February 1659, for s400 to be paid to a Mr Delboe by Nicholas van Acker.
2. In 1717 the Bank of England started making printed cheques.
3. The nation’s first cheque clearing house was built in 1833 on Lombard Street in London.
4. It is expected that without any changes, cheque use will decline naturally to 1.8 million aday in 2018, down from 3.8 million a day today.
5. Each adult in the UK receives an average of fewer than five cheques per year.
6. In 2007, the 2-4-6 rules on cheque clearing came in, letting consumers know with certainty when funds would clear.
7. In 2008 there were 1.4 billion cheque payments, down from a peak in 1990 of 4 billion cheque payments.
8. The cheque guarantee scheme, which started in 1965 and allowed consumer to guarantee amounts up to s30, will end in June 2011: in 2008, only 95 million of all cheques were guaranteed.
9. No major UK supermarkets continue to accept cheques, and most high street stores and petrol stations don’t accept them due to the high cost of processing.
10. In the United States, cheques are only valid from six months after being issued.

‘Drunk’ Gazza arrested in Newcastle

Troubled former England football star Paul Gascoigne has been arrested in Newcastle for being drunk and disorderly. The former Spurs midfielder was taken into custody at about 2.15am this morning following a disturbance in the Jesmond area of the city. The 42-year-old, who has faced a long battle with alcoholism, was later taken to a police station before receiving a fixed penalty notice. The spokeswoman could not confirm how much the notice was for but fines are set at £50 and £80 depending on the seriousness of the offence. Friends and fans of the star were hopeful he was on the mend after what appeared to be a successful stint in rehab earlier this year. He has recently been involved in Newcastle and Gateshead’s joint bid to be host cities for the 2018 World Cup, travelling to Wembley in November with former teammates Peter Beardsley and Alan Shearer. During interviews to publicise the bid, he spoke of his debt to Beardsley, 48, for helping him battle back from alcoholism and depression. He said Beardsley, who now works as a coach at Newcastle United’s youth academy, had invited him to training sessions and had been helping keep his fridge stocked with milk and groceries instead of booze.



MY GOD

British Airways WINS court bid to stop cabin crew’s 12-day Christmas strike

• Judge: Strike at Christmas ‘is damaging to the public’
• Injunction leads to flurry of cut-price deals on BA flights
• Unite ‘did not do enough to exclude staff taking redundancy from ballot’

British Airways today won its court bid to have a 12-day strike by cabin crew over Christmas and the New Year ruled illegal.The High Court upheld the airline’s application for an injunction to stop its staff walking out from December 22 until January 2.The decision will be a huge relief to a million holidaymakers who have been in limbo since union members voted overwhelmingly for industrial action earlier this week.But it will be a blow for anyone who panicked and bought tickets with a different airline because they believed their BA flights would not go ahead.Most of the available tickets were being sold at a huge premium because of the time of year and surge in demand thanks to the strike.

Had the walkout gone ahead, these passengers would have at least received a refund for their BA ticket but now they will have paid twice over.In proof that hordes had jumped ship after the strike vote, there was a Christmas bonanza for passengers today as BA tickets went on sale for bargain prices. A return ticket from London to New York for next Tuesday, coming back on December 27, cost as little as £181. Just yesterday, the best deal on another airline was £1,500.Mrs Justice Cox ruled that the balance of convenience law ‘firmly’ lay with granting the injunction.

She said: ‘A strike of this kind over the 12 days of Christmas is fundamentally more damaging to BA and the wider public than a strike taking place at almost any other time of the year.’The balance of convenience lies firmly with granting the relief sought.’

In her ruling, Mrs Justice Cox did not accept Unite’s argument that it did what was ‘reasonably practicable’ to comply with its obligations to exclude from the ballot those members who were taking redundancy.The union denied they were deliberately included and said any breach of the statutory provisions was accidental.The judge said she failed to see why it was not practicable or reasonable for the union to inquire of its membership whether it was leaving in November or December, as such a step had been taken for the month of October.

Judge Cox said: ‘That would have been a practicable and reasonable step for the union to take but it was not taken, despite the opportunity to do so.’She added there was ‘insufficient evidence’ to support the allegation of intransigence on the part of BA.Unite  was refused permission to appeal, although the union can apply directly to the Court of Appeal.Unite was furious at the ruling and immediately vowed to hold a fresh ballot unless the dispute with BA is resolved.Joint leaders Derek Simpson and Tony Woodley said: ‘It is a disgraceful day for democracy when a court can overrule such an overwhelming decision by employees taken in a secret ballot.’The fact remains that this dispute is not settled. Passing the buck to the courts to do management’s job for them was never going to be the answer.

‘BA must accept that there can be no resolution except through negotiation, failing which there will inevitably be a further ballot for industrial action.Given the clear mood of cabin crew about management’s imposition of changes on their working lives, this means that the spectre of further disruption to the company’s operations cannot be removed. Only a negotiated agreement can do that.’Some 13,000 BA staff voted by an overwhelming nine to one margin for industrial action earlier this week, sparking chaos for people hoping to travel over the holidays.But BA argued that it was illegal because the vote had included up to 1,000 union members who had already accepted voluntary redundancy.It also said that the industrial action, which follows a bitter row over changes to staff’s working conditions, will plunge it into financial disaster.BA’s lawyer, Bruce Carr QC, said yesterday that the strike would deprive ‘literally millions of people of a happy Christmas’.

In a statement today, the airline said it was ‘delighted’ that the threat of a Christmas strike had been lifted.’There was never any need for a strike and we hope that Unite will take this opportunity to reflect before deciding its next steps. We believe the public would want that too,’ it said.’In recent days, we believe Unite has formed a better understanding of our position and of the ways in which we could move forward.’It has also become very clear that our customers do not believe that old-style trade union militancy is relevant to our efforts to move British Airways back toward profitability.’Financial success is essential to build the kind of business our customers want and provide long-term opportunities for our staff.’Both sides of the row had met with conciliation service Acas today in another frantic attempt to head off the crippling strike.

BA and Unite gave separate briefings to Acas chairman Ed Sweeney in London. After the court ruling, Mr Sweeney urged them to use the time ahead to ‘reflect on how to achieve a settlement’.BA boss Willie Walsh met with the union’s general secretary Tony Woodley for talks yesterday to try and reach a deal but broke up after six hours with no deal.The strike would have cost BA, which is already facing a financial crisis, at least £500million.Mr Walsh had said the airline would be ‘history’ if it went ahead and other executives called it ‘commercial suicide’.The firm lost a record £400million last year and £292million in the first six months of this year, while its pension deficit has grown to £3.7billion.Even Mr Simpson from Unite admitted yesterday that the 12-day strike was ‘probably over the top’ and cabin crew have since expressed unease about the long walkout.

Staff had not been told how long the industrial action would last before they voted on industrial action – it only emerged once the result was in.Bob Atkinson of travelsupermarket.com said: ‘We welcome this announcement. Unite should now call off this disproportionately extreme 12 day strike and staff should commit to work as normal so that the one million passengers booked with the airline can breathe a sigh of relief and carry on with their travel plans this Christmas and New Year.’BA should now contact customers as soon as possible to confirm flights will be going ahead and normality has returned to the market. The threat of strike action has been hugely damaging for the British Airways brand and customer loyalty has been tested.’There was further good news for holidaymakers today as British Eurostar drivers called off a planned strike for this Friday and Saturday.They had been due to walk out in a row over their pay because they claim the falling value of the pound has slashed their expenses compared to their French colleagues.Further strikes set for Boxing Day and December 27 have also been cancelled, the Transport Salaried Staffs Association said.As part of the settlement, it is understood they have accepted a one-off payment of £600 to compensate for loss of earnings.

Jonathan Ross accepts £3m pay cut as he signs new deal with BBC

Jonathan Ross has agreed to a 50 per cent pay cut which will see his annual salary slashed.The 49-year-old radio and TV presenter’s £18m, three-year deal will not be renewed next year, as the Mail revealed in October.Ross voluntarily started discussions about reducing his wage by as much as £3m a year.However those negotiations could include an end to the ‘golden handcuffs’ arrangement which prevents him from working for other channels.

No decision has been made about the final package as BBC Director-General Mark Thompson has yet to agree a deal.But contract discussions are understood to have taken place in the last 24 hoursFriends of Ross are saying he feels loyal to the corporation, which is under severe pressure to cut its wage bill.Only last week the Mail revealed how the corporation had compiled a secret ‘Top Talent’ league table revealing what bosses really thought about big-name stars.

Ross was suspended for three months without pay by the BBC last year after he and Russell Brand left a series of lewd messages left on veteran actor Andrew Sachs’ answer phoneRoss’s standout salary pay has been the focus of much criticism, with the BBC blamed for inflating the market for TV talent.Unions dealing with job cuts after the BBC failed to negotiate a licence-fee increase believe it is ‘offensive’ in the current economic climate.Former director-general Greg Dyke said the wages were hitting the public’s affection for the corporation.He said recently: ‘The public find what people at the BBC are earning – both executives and stars – offensive and I’m sure it is one of the reasons why the public are falling out of love with the BBC.’The recession appears to have influenced Ross’s move.

‘It was his idea to do it,’ a source told London’s Evening Standard. ‘In the current climate it is the thing to do. He wants that scenario.”Jonathan feels very loyal to the BBC and they have been loyal to him. There have been discussions.’No formal offer has been made but the way discussions are going that is the way Jonathan feels it should be at the moment.’Ross is also still rehabilitating his image after the Andrew Sachs affair when he was suspended for three months without pay after he and Russell Brand insulted the veteran Fawlty Towers actor with prank phone calls about his granddaughter.Ross was also criticised in 2007 when he joked at the British Comedy Awards that his salary meant he was ‘worth 1,000 BBC journalists’.The comment was made as the BBC had just announced it was to make more than 2,000 staff redundant.

Majestic brown bears go head to head in remarkable 15-minute duel

These two brown bears couldn’t have picked a more stunning setting to engage in a spot of rough and tumble.In front of a spectacular, snow topped mountain range in Alaska, the giant animals took each other to task, with one even taking a crafty low side-swipe.Despite one of the bears holding a definite weight advantage, the pair grappled and exchanged blows.

The bears fought each other in the middle of stunning Alaskan scenery for 15 minutes before wandering off to catch salmon in a nearby riverBut after 15 minutes of hard combat they seemed happy to call it a draw and went hunting for salmon in a nearby river.The incredible duel was captured on camera by amateur photographer Scott Cromwell during a special bear spotting trip.He flew for six hours from Homer, Alaska, to Hallow Bay, which is part of the Katmai National Park, also in Alaska, just to see the majestic animals.

Back off! Despite one of the bears holding a definite weight advantage, the pair grappled and exchanged blows

Scott, 38, said: ‘The guide and pilot flew us over a known area and we spotted a few bears so we landed on the beach a few hundred yards away from them.’We walked up to about 250ft from them and stood and watched from a dry part of the river bed.’They instantly quit fishing for salmon in the river and ran out in the open in between us and the mountains.’The smaller bear came out into the open first but then the bigger one galloped after it making a lot of noise.

Take that! In front of a snow topped mountain range in Alaska, the giant animals took each other to task, with one even taking a crafty low side-swipe

‘They circled around the whole large area a couple of times and then started wrestling right in front of us – we were no more than 100ft away.’I couldn’t believe what was happening – we had only just got off the plane and this all seemed to have happened instantly.’ Television repairman Scott said the bears battled for 15 minutes before getting bored or hungry and returning to hunting for salmon.He added: ‘I was leaning over the whole time while shooting, trying to get as close to the ground as possible without including any grass in the foreground.’It truly was the most enjoyable 15 minutes of my life. In fact the whole trip was the best six hours of my life. ‘Seeing bears this close really is incredible.’

Todays WTF !!

Love This

Yesterday I received a cheque from my publishers I had sold 150 copies of my new book Eternal Wish in the last month, I was pleased with this until I looked at the cheque it was for £15.00 , So I was really pleased to hear how Amazon are struggling at the moment and have been hit by the current situation. My heart bleeds for them if ever I wished a company would go bust its those bastards at Amazon for screwing the cost of authors books and making it all so pointless. Its a good job I write as a hobby and not for a living. Looks like it will soon be time for Milo and me to go and sit outside the co-op with my hat on the ground!

 Paper documents to enable the transfers of moneys have been around almost since the dawn of banking. Indeed there is evidence of written authorities in the first century BC.

 The praescriptiones was believed to be the Roman name in the first century BC. In the 3rd century AD Persian Empire (Sassanid) banks issued Sakks, while Muslims were known to be using sakks from the ninth century.

 The Knights Templar ran a nice little earner, using drafts, for pilgrims to the Holy Land for a couple of centuries via their chapter houses. And by the fifteenth century the use of paper by merchants to carry money between major cities was well established across Europe and areas of Asia and the Middle East. Fragments found show the 12th century cheques were remarkably similar to our own

 Now our unromantic money men wish to end the paper trail some two millennia, or more, after it started.

 The suitable dryly named Money Council, in a consultation paper with a similarly dead-from-the-neck-up title National Payments Plan – Consulting on change in UK payments talks of the changes that might be made in the future.

 Now I am pretty critical, but the Council is not blind to the whole picture: “…special account must be taken of the needs of minority and disadvantaged groups…” it declares, with suitable gravitas.

 It then spoils the declaration with the fait a compli smug comment “…so that they can share in the benefits of innovation. We are asking what can be done to ensure that all sectors of our society can benefit from the move to more efficient means of payment.”

 Well, as it happens, the cheque remains the only paper trail of payment for the ordinary person. Anyone who uses digital technology, on which all other systems are based – and we all use computers, is fully aware how easily mistakes can occur, and how big (though fortunately rare) a catastrophe is.

It also ties us more closely to the banks than ever before. We can have little confidence in them after their comments following the strange judgement form the law lords sitting in their nice new supreme court. Indeed that case was about the distinctly fishy behaviour of the banks; how nimble their fingers are in our pockets!

Read this consultation document. If, like me you prefer to use cheques often, or appreciate the difficulties for the elderly and the lonely and the isolated. please send a comment to these worthy ladies and gentlemen to help them in their deliberations.

And, in the gadarene rush to the card, think also of the person who has hit troubles that mean they are denied the use of those cards. Are they to become the excluded of the new society?

SAQ – SAve the cheQue – give the bankers the SAQ!

Joseph Harris – Debt Control Man

http://www.controlyourdebtcrisis.co.uk

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Qual é a diferença de comprar pelo site ou direto com você, Ana?

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Qual produto é mais indicado para atingir meus objetivos?

Você pode buscar orientação através dos nossos canais de atendimento ou clicar em cima dos produtos para saber mais informações sobre o rótulo, composição, indicação e sugestão de uso.

No site também disponibilizamos a avaliação, cálculo de IMC e sugestão de programas alimentares.

Como faço então para comprar?

Você pode fazer seu pedido por e-mail: sac@corpobeleza.net ou por telefone (11) 3446 4788 / (11) 9701 2289 ou diretamente pelo site www.corpobeleza.net. Aceitamos depósito ou transferencia bancária, além das opções de boleto e cartão de crédito disponíveis pelo site.

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A recent post from Raymond Chen reminded me of the time when I was in university and I wrote a friend a cheque for Π Shekels.

Wanting to see if it would accepted, we placed it in a deposit box (to nullify the effect of facing the cashier).

I put the Greek letter Π in the numerical field and “פאי” (“Pi”) in the textual field.

_{This is a forgery based on a sample from Wikipedia}

Several days later my account was debited by 3.14 NIS (~1$), I was a bit peeved that they rounded Pi to only two decimal points but decided it’s as good as I could have expected.

I called the bank and asked for a photocopy of the offending cheque (this was before you could see cheques online), the person taking my call was rather surprised since the fee for ordering a photocopy cheque to be sent was higher than the cheque’s amount.

My friend suggested that our next experiment would be with א_o Shekels but I declined.

All this was before I heard of Knuth’s custom of writing cheques for hex-dollars.

This story has a sad story since I lost the photocopy of this cheque one of the times I moved…

O cheque especial é uma das modalidades de crédito mais oferecida  pelos bancos brasileiros, e também uma das mais caras. Trata-se de um limite de credito que fica disponível na conta corrente para o cliente utilizar. Sobre o valor utilizado é cobrado juros que variam muito de banco pra banco. Para o cliente que possui conta corrente em diferentes bancos, é importante pesquisar para escolher aquele que tem os menores juros, mas no geral, são mais caros que a maioria das modalidades de credito. Para quem ta pendurado no cheque e não sabe como sair, o ideal é ir ao banco e negociar. Você pode tentar um credito pessoal com juros menores. Se tiver facilidade em conseguir empréstimo consignado, esse é uma boa alternativa, pois os juros são mais baixos.   Além dos juros, existe o IOF (imposto sobre operações financeiras) que também é cobrado nessa modalidade de crédito. Alguns bancos cobram tarifa de “manutenção do cheque especial”. Com tudo isso, só utilize o cheque especial se realmente você não tiver outra escolha.

Para saber mais informações sobre juros e tarifas do cheque, a FEBRABAM (Federação Brasileira de Bancos) disponibiliza na internet um site que faz o comparativo sobre juros e tarifas, que pode ser acessado no endereço www.febraban-star.org.br  

The banks in the UK are looking at abolishing cheques by 2018. The proposal will be voted on by the payments council in mid December. The payments council is made up from executives of the top banks in the country. If the vote is successful then the cheque would start to become extinct in 2018.

It is hoped that the banks will save upwards of £1 million each year as electronic processing of payments costs around a quarter of this value.

In the past few years major retailers have already stopped accepting cheques, stores such as Marks & Spencer and more will follow in the next few years.

However, the Federation of Small Business has already started to voice its objections to the plan, arguing that many small businesses would be forced to accept cash only as they would not be able to afford the fees that go along with installing a card processing machine.

I have personally seen a major drop in the number of cheques being used in the past few years and a lot of businesses have gone away from them completely. However, there are still those that rely on the extra 2-3 days grace period that a cheque payment gives you to ensure their cash flow meets their current needs. Forcing these companies to use electronic or cash payments could mean more small companies fold through a lack of cash.

In the debt collection business the cheque is still a much needed payment tool and the more options available, the more chance of receiving payment.

With most of the top banks now in one way or the other controlled in part by the public purse I hope that the same public will be asked for their opinion.

Well I’ve got a picture that proves it.  Is it a million dollars? Nope, not yet! However this is October’s monthly bonus which in the last few months it has just grown bigger and bigger.  For all those naysayers out there that say this costs a lot of money and you’ve gotta pay for tools and all this stuff.  I’ll let you know that 1/2 this cheque pays for our monthly operating costs.  So are we making money? The short answer is YES!  Now keep this in mind, this doesn’t include our retail bonus cheques we get as well.

So as you can see by this picture YES Amway does pay out! woot woot!  I’ll tell you this is the lowest we will ever have for a bonus cheque.  What could you do with a few extra hundred dollars a month?

Ask your self, is it worth it?  What “vehicle” are you using to obtain your dreams?  Can you honestly say you will obtain those goals in your current situation?

CAUTELAR. SUSTAÇÃO. PROTESTO. CHEQUE.

O REsp busca saber se é viável a arguição de prescrição do título em ação voltada contra esse protesto e ainda discute a possibilidade de revigoração do protesto sustado liminarmente, em virtude da prestação de contracautela consistente no depósito do valor consignado no cheque protestado. Para o Min. Relator, não há óbice para que o devedor, ao se servir de ação destinada a obter a declaração de inexistência de relação jurídica e, consequentemente, o cancelamento do protesto, argua, a qualquer momento, a ocorrência de prescrição da própria dívida em proveito da sua pretensão. Observa que, com a prescrição da própria dívida, o crédito desveste-se da sua exigibilidade jurídica. Entretanto destaca que a eventual perda do atributo de executividade do cheque não importa o cancelamento do protesto (art. 1º da Lei n. 9.492/1997). A exigibilidade da dívida mencionada no título permanece, e a satisfação poderá ser buscada por outra via. Por outro lado, aponta ser inviável suscitar, na ação declaratória de inexigibilidade de relação jurídica e da sustação do protesto, a arguição de prescrição cambial. Outrossim, a improcedência do pleito de sustação de protesto e da declaração de inexigibilidade de relação jurídica não autoriza que a caução (valor do cheque) possa ser considerada como pagamento integral e idônea a coibir a restauração do protesto sustado liminarmente, pois o montante é bem maior (art. 19 da citada lei). Com esses argumentos, entre outros, a Turma negou provimento ao recurso. Precedente citado: REsp 671.486-PE, DJ 25/4/2005. REsp 369.470-SP, Rel. Min. Massami Uyeda, julgado em 10/11/2009.

A) NOTION D’EFFET DE COMMERCE :

1) définition :

L’effet de commerce est un écrit destiné à constater ou à créer un engagement (représenté par une somme d’argent) d’ordre commercial. Les effets de commerce sont :

- la lettre de change.

- le billet d’ordre

Une distinction doit être faite entre effet de commerce et reconnaissance de dette.

Le premier est créateur de droit et d’un rapport cambiaire.

La deuxième (seconde) n’est qu’un moyen de preuve constant un droit préexistent.

Dans l’effet de commerce la forme est plus importante que le fond, par conséquent, une fois que la forme est respectée l’effet est valable.

L’effet de commerce est négociable (transmissible) par voie soit :

- D’endossement pour les effets nominatifs.

- De main en main pour les effets au porteur.

- Ou par l’escompte.

L’effet de commerce confère à son titulaire une grande sécurité de paiement en instituant deux mesures :

- La solidarité entre tous les signataires d’un même effet de commerce.

- L’inopposabilité des exceptions : que les exceptions que le débiteur pouvait opposer au créancier initial sont inopposables au tiers porteur de l’effet.

Le défaut de paiement à l’échéance d’un effet de commerce est sanctionné immédiatement.

L’émission d’un chèque sans provision est un délit pénal.

Le délai de grâce n’existe pas en matière commerciale.

Le défaut de paiement est constaté par un protêt dressé par un auxiliaire de justice.

Une succession de protêt pour un commerçant est un indicateur de sa défaillance.

B- types des moyens de règlement

I- LA LETTRE DE CHANGE : « LA TRAITE »

1) définition :

la lettre de change est un écrit par lequel une personne, appelée tireur donne l’ordre à une autre personne , appelée tiré, de payer à une autre personne , appelée bénéficiaire ou à l’ordre de celui-ci , une somme d’argent à une date déterminée.

- Tireur : celui qui crée la lettre de change.

- Tiré : celui qui reçoit l’ordre de payer.

- Bénéficiaire ou porteur : celui qui reçoit la lettre de change.

- La créance du tireur sur le tiré s’appelle la provision.

- La relation juridique entre le tireur et le bénéficiaire est la valeur fournie.

2) les conditions de validité d’une lettre de change : conditions de forme

- La mention de « lettre de change »insérée dans le document.

- Le mandat pur est simple de payer une personne déterminée.

- Le nom de celui qui doit payer (tiré).

- L’indication de l’échéance qui peut être :

- A vue c à d sans délai de paiement, la traite doit être payée des qu’elle est présentée au paiement.

- A un certain délai de vue, le délai fixé commerce à compter de l’acceptation ou du refus d’acceptation.

- A un certain délai de date, le délai fixé court à compter du jour de la création de la lettre de change.

- L’indication du lieu ou le paiement doit s’effectuer.

- Le nom de celui auquel ou à l’ordre duquel le paiement doit être fait.

- L’indication de la date et du lieu ou la lettre est créée.

- Le nom et la signature de celui qui émet la lettre (tireur).

Le titre ne respectant pas une de ces mentions ne vaut pas comme lettre de change, sauf dans les cas suivants :

- La lettre de change dont l’échéance n’est pas indiquée est considérée comme payable à vue.

- A défaut d’indication spéciale, le lieu indiqué à coté du nom de tiré est considéré le lieu de paiement et le lieu du domicile du tiré.

- Si le lieu n’est pas indiqué à coté de nom du tiré, le lieu de paiement est celui où le tiré exerce son activité ou celui où il est domicilié.

- La lettre de change n’indiquant pas le lieu de sa création est considérée comme souscrite dans le lieu du domicile du tireur.

- A défaut d’indication spéciale, la date de création de la lettre de change est considérée être celle de la remise du titre au bénéficiaire.

- La lettre de change peut être à l’ordre du tireur lui-même.

- Elle peut être tirée pour le compte d’un tiers PDG pour le compte de la société en qualité de mandataire.

- Elle peut être payable au domicile d’un tiers (domicile du tiré).

- Dans les lettres de change payable à vue ou à un certain délai de vue, il peut être stipulé par le tireur que la somme sera productive d’intérêts.

- La lettre de change dont le montant, est écrit à la fois en lettres et en chiffres, vaut, en cas de différence pour la somme écrite en toutes lettres.

- Si elle comporte le montant plusieurs fois, en chiffres et en lettres, elle ne vaut en cas différence que pour la moindre somme.

- Le tireur est garant de l’acceptation et du paiement.

3) les conditions de fond : La provision

La provision est la créance du tireur sur le tiré.

Il y’ a provision si à l’échéance de la lettre de change celui sur qui elle est fournie est redevable du tireur ou à celui pour le compte de qui elle est tirée, d’une somme au moins égale au montant de la lettre de change.

La créance du tireur sur le tiré doit à l’échéance de la lettre de change, être certaine, liquidité et exigible.

L’acceptation suppose qu il y’ a provision en cas de conflit en matière de lettre de change.

4) l’endossement de la lettre de change :

Toute lettre de change est transmissible par voie d’endossement, sauf, dans le cas ou le tireur a inséré sur le titre la mention « non à ordre » ou « non endossable » ou tout simplement « NE »

Il existe trois formes d’endossement :

a) Endossement translatif de propriété :

1) conditions :

L’endossement peut prendre trois formes :

- nominatif.

- Au porteur.

- Ou en blanc.

D’où les montions suivantes :

- « endossé à Mr X » ou « transmis à Mr X ».

- « endossé au porteur»

- la signature pour l’endossé en blanc.

L’endossement doit être pur et simple, toute condition à laquelle il est subordonné est réputée non écrite.

- L’endossement partiel est nul.

- L’endossement « au porteur » vaut comme endossement en blanc.

- L’endossement doit être porté sur la lettre de change ou sur une feuille qui y est attachée (allonge).il doit être signé par l’endosseur.

- L’endosseur d’une lettre de change est celui qui détient le titre « par une suite ininterrompue d’endossements » dans le cas d’un endossement en blanc, le porteur est présumé détenir le titre des mains du signataire de la traite.

- on peut endosser une lettre de change à compter du jour d’émission et jusqu’à l’échéance.

2) les obligations de l’endosseur :

L’endosseur est sauf clause contraire, garant de l’acceptation et du paiement. Il peut interdire un nouvel endossement dans ce cas, il n’est pas tenu à la garantie envers les personnes auxquelles la lettre de change est ultérieurement endossée.

3) les droits de l’endossataire :

L’endossement transmet tous les droits résultant de la lettre de change.

L’endosseur garanti le paiement à l’endossataire, un lien cambiaire s’est crée entre eux.

Le bénéficiaire endosseur transmet les droits cambiaires qu’il avait contre le tireur, contre le tiré et contre l’avaliseur. Il transmet son droit sur la provision, mais il ne peut transmettre le rapport de la valeur fournie.

N.B : Aux termes de l’art 173 du code de commerce, l’endossement après protêt ne produit plus que l’effet d’une cession ordinaire de créance.

b- l’endossement de procuration :

L’endossataire est un simple mandataire qui présente le titre de paiement pour le compte de l’endosseur.

La mention utilisée est « valeur en recouvrement » ou « pour encaissement » ou « par procuration » ou toute mention équivalente.

c- l’endossement pignoratif :

L’endossataire acquiert sur la lettre de change un droit de gage (en latin piguis).

La mention utilisée est soit « valeur en garanties » ou « valeur en gage » ou toute mention équivalente.

5) l’acceptation de la traite :

Accepter une lettre de change : c’est reconnaître être le débiteur cambiaire du bénéficiaire.

a- la présentation à l’acceptation :

Le plus souvent c’est le tireur qui présente la traite à l’acceptation car il lui est facile de faire signer le tiré lors de la commande.

Elle peut être faite aussi par le tiers bénéficiaire, c’est le cas par exemple des banquiers qui ont de nouveaux clients et présentent eux-mêmes à l’acceptation les premières traites des clients.

La lettre de change peut être, jusqu’à l’échéance, présentées à l’acceptation du tiré, au lieu de son domicile, par le porteur ou même par un simple détenteur.

b- les formes de l’acceptation :

Les formes de l’acceptation de la lettre de change, présentées dans l’art 176 du code de commerce, sont très simples.

• La signature du tiré au recto des traites.

• La signature (acceptation) dans un acte séparé.

Mais l’acceptation par acte séparé ne crée pas un engagement cambiaire.

• L’acceptation doit être pure et simple, et la stipulation d’une condition équivaut à un refus d’acceptation.

c- les effets de l’acceptation :

• L’acceptation fait naître un lien cambiaire entre le tiré et le bénéficiaire, et le tiré s’oblige à payer à l’échéance.

Auparavant, le tiré n’étant tenu envers le bénéficiaire de la traite qu’au titre de la provision.

• L’acceptation suppose la provision (art166).

d- le refus d’acceptation :

Si le tiré refuse d’accepter (signer) la lettre de change, le porteur à deux obligations :

- faire constater le refus d’acceptation par un protêt. Le protêt est l’acte par lequel un porteur de la lettre de change proteste contre un refus d’acceptation.

Ce protêt est obligatoire à moins que la lettre de change soit stipulée « sans frais » ou « sans protêt ».

- aviser celui qui a transmis la lettre de change du refus d’acceptation.

- Le porteur a un délai de 6 jours pour envoyer cet avis par lettre recommandée au porteur initial.

- Ce dernier a lui-même 3 jours pour aviser le tireur dans les mêmes conditions.

6) L’AVAL :

Le paiement d’une lettre de change peut être garanti pour tout ou partie de son montant par un aval.

Cette garantie est fournie par un tiers ou même par un signataire de la traite.

- Il est donné sur la lettre de change ou sur une allonge, soit par acte séparé.

- Il est exprimé par les mots « bon pour aval’ » ou par toute autre formule équivalente.

- Il doit indiquer pour le compte de qui, il est donné. A défaut de cette indication, il est réputé donné pour le tireur.

Le donneur d’aval est tenu de la même manière que celui dont il s’est porté garant.

7) LE PAIEMENT :

a- La présentation au paiement :

- La présentation au paiement est faite par le porteur ou par son mandataire.

- En pratique, c’est toujours une banque (du porteur) qui est présentatrice.

- La traite est présentée au tiré (débiteur principal) théoriquement à son domicile pour le paiement.

Mais les traites sont presque toujours domiciliée .c’est donc la banque du tiré qui recevra de celui-ci mandat de payer (ordre écrit).

BREF : une banque présente la traite est une autre est tenue de payer (chambre de compensation).

- La présentation au paiement est faite à la date d’échéance ou dans les 5 jours ouvrables qui suivant la date d’échéance. Mais, elle peut être faite, avant l’échéance dans les cas suivants :

• Le refus d’acceptation par le tiré ;

• La faillite du tiré ;

• La faillite du tireur si la lettre de change est stipulée non acceptable, car dans ce cas la valeur du titre repose sur le tireur seul.

b- Le paiement :

Avant de payer le tiré doit :

• Vérifier la légitimité formelle du porteur.

• Vérifier s’il n’y a pas d’opposition au paiement.

- L’opposition n’est valable que :

- En cas de perte ou vol de la lettre de change.

- En cas de redressement ou liquidation judiciaire du porteur.

- L’opposition au paiement se fait par acte d’un huissier.

En pratique, la majorité des lettres de change sont réglées par virement en banque.

La traite, sera payée parle délit du compte du tiré et par le crédit du compte du banquier escompteur qui répercutera la somme sur le compte de son client.

e – le refus de paiement

• les obligations du porteur

Le porteur qui se heurte à un refus de paiement doit faire dresser un « protêt faute de paiement « le protêt est dressé que le tire accepte la traite ou non dans un délai de 5 jours ouvrables à compter de la date d’échéance de l’effet.

Il doit aviser du défaut de paiement celui dans les mains duquel il tient la lettre de charge.

Cet avis doit être adressé à l’endosseur du porteur par lettre commandée avec accusé de réception dans un délai de 6jours à compter de la constatation de la défaillance du tiré c à d 6jours après protêt.

Le porteur précédent a trois jours pour avertir son endosseur (le bénéficiaire de la traite).

• les droits du porteur.

Le porteur diligent a un recours contraire. Contre tous les signataires de la lettre de change qui sont tenus solidairement à son égard.

En pratique il peut poursuivre le signataire le plus solvable.

En fait le porteur étant souvent un banquier il opèrera en débitant le compte de son client au lieu de le poursuivre en justice cette écriture du débit du compte du client s appelle la « contre passation »

Le recours du porteur contre le signataire de la traite peut-être majoré des frais de protêt

f – la prescription

Le recours du porteur contre le tiré accepteur se prescrit dans 3ans. L’action de l’endossataire contre l’endosseur et tireur se prescrivent dans un an à compter du jour protêt ou du jour de l’échéance les actions résolutoires de l’endosseur contre le tireur se prescrivent dans 6mois.

II- Le chèque :

1) création et formes du chèque :

• Selon l’article 239 du nouveau code de commerce, le chèque doit compter les mentions ci-après :

- La dénomination de chèque.

- Le mandat pur et simple de payer une somme déterminée.

- Le nom du tiré (la banque).

- L’indication du lieu ou le chèque est crée.

- Le nom et la signature du tireur.

Le titre qui ne comporte pas ces mentions ne vaut pas comme chèque sauf dans les cas suivants :

- Si le lieu de paiement n’est pas indiqué ; on considère le lieu désigné à coté du nom du tiré.

- A défaut d’indication spéciale, le chèque est payable au lieu où le tiré a son établissement principal.

- Si le lieu de création n’est pas indiqué, il est considéré le lieu désigné à coté du nom du tiré.

• Le chèque ne peut être tiré que sur un établissement bancaire.

• Le chèque peut être :

- Nominatif : il comprend le nom du bénéficiaire.

- Au porteur : chèque sans indication du bénéficiaire.

• Le chèque peut être à l’ordre du tireur lui-même (en utilisant la mention : à l’ordre de moi même.

• Toute stipulation d’intérêts insérée dans le chèque est réputée non écrite.

• Le chèque dont le montant est écrit à la fois en toutes lettres et en chiffres vaut ; en cas de différence, pour la somme écrite en toutes lettres.

• Si le chèque porte des signatures de personnes incapables de s’obliger, des signatures fausses ou imaginaires…n’oblige pas ces personnes.

• Personne ne peut signer un chèque comme représentant d’une autre personne sans procuration écrite déposée auprès du tiré. Sans cette procuration le signataire est le sent obligé de payer, il en est de même du représentant qui a dépassé ses pouvoirs.

• Toute personne qui remet un chèque au paiement doit justifier son identité :

• Pour les personnes physiques :

- La carte d’identité nationale.

- Le passeport ou toute autre pièce d’identité pour les résidents étrangers.

• Pour les personnes morales :

L’identité de la ou les personnes physiques habitées à effectuer l’opération précitée, ainsi que le numéro d’inscription à l’impôt des patentes.

2) transmission du chèque :

- Le chèque avec stipulation « à ordre » est transmissible par la voie d’endossement.

- L’endossement partiel est nul.

- L’endossement au porteur vaut comme endossement en blanc.

- L’endossement doit être inscrit sur le chèque ou sur une feuille qui y est attachée « allonge ». Il doit être signé par l’endosseur.

- L’endossement transmet tous les droits résultant du chèque et notamment la propriété de la provision.

- L’endosseur, sauf clause contraire, garant du paiement.

- L’endossement fait après protêt ou après expiration du délai de présentation ne produit que les effets d’une cession ordinaire.

- L’endossement qui contient la mention « valeur en recouvrement », « pour encaissement », « par procuration » ou toute autre méthode impliquant un simple mandat, le porteur peut exercer tous les droits découlant du chèque mais il ne peut endosser celui-ci qu’à titre de procuration.

3) l’aval :

Le paiement d’un chèque peut être garanti par tout ou partie de son montant par un aval.

Cette garantie est fournit par un tiers, sauf le tiré, ou même par un signataire du chèque.

Il est donné soit sur le chèque ou sur un allonge soit par un acte séparé indiquant le lieu où il est intervenu.

La mention utilisée « bon pour aval » et il est signé par le donneur d’aval.

L’aval doit indiquer pour le compte de qui il est donné. A défaut il est réputé donné pour le tireur.

L’avaliste est tenu de la même manière que celui dont il s’est porté garant.

4) La présentation et le paiement du chèque :

a- la présentation au paiement :

• Le chèque est un moyen de paiement immédiat (à vue) et toute mention contraire est réputée non écrite.

• Le chèque présenté au paiement avant le jour indiqué comme date d’émission est payable le jour de sa présentation. art 267.

• Le délai légal de présentation au paiement d’un chèque émis et payable au MAROC, est de 20 jours à compter de la date de la création qui figure sur le titre.

• Le chèque émis à l’étranger et payable au MAROC, doit être présenté au paiement dans un délai de

60jours à compter de la date d’émission.

• Le chèque présenté à une chambre de compensation équivaut à la présentation au paiement.

b- le paiement du chèque :

• Le tiré (banque) doit payer la chèque même après l’expiration du délai légal de sa présentation.

• L’apposition au paiement n’est admise qu’en cas de perte, vol, d’utilisation frauduleuse ou de falsification du chèque et de redressement ou de liquidation judiciaire du porteur. Elle est écrite et présentée à la banque.

• L’établissement bancaire est obligé de mentionner sur les formules de chèques, les sanctions en cas d’opposition pour des raisons autres que celles citées ci-dessus.

• En cas du décès ou incapacité du tireur après émission du chèque ne tranchent pas à ses effets (le paiement).

• Le porteur du chèque ne peut pas refuser un paiement partiel en cas d’insuffisance de la provision.

Il est tenu de protester pour le surplus. Le paient partiel est indiqué sur le titre et sur une quittance.

• Avant de payer, le tiré doit vérifier la régularité des suites d’endossements.

• En cas de perte ou du vol du chèque, le propriété peut poursuivre le paiement sur un second, troisième, quatrième, et ainsi de suite.

5) Le recours faute de paiement :

• En cas de retour d’un chèque impayé, le porteur doit dresser protêt, mais avant l’expiration du délai de présentation (20jours et 60jours).

Si la présentation au paiement est faite au dernier jour (20ème jour ou 60ème jour) le protêt doit être établi le premier jour ouvrable suivant.

• Le porteur doit aviser du défaut de paiement son endosseur et le tireur dans les 8 jours ouvrables qui suivent le jour du protêt.

• Le tribunal doit aviser le tireur, par lettre recommandée dans les 4 jours du protêt, à la recherche d’une explication du refus de paiement.

• Chaque endosseur doit aviser son endosseur dans les 4 jours qui suivent la réception de l’avis.

• Toutes les personnes obligées en vêtu du chèque sont tenues solidairement envers le porteur.

• Le porteur peut exiger de celui contre lequel il exerce son recours :

- Le montant du chèque non payé.

- Les intérêts à partir de la date de présentation au paiement, au taux légal pour les chèques émis et payables au Maroc.

- Les frais de protêt.

6) la prescription :

• Les actions du porteur contre les endosseurs, le tireur et les autres obligés se prescrivent par 6 mois à partir de l’expiration du délai de présentation.

• Les actions des divers obligés au paiement du chèque les uns contre les autres se prescrivent par 6 mois.

• L’action du porteur du chèque contre le tiré se prescrit par un an à partir de l’expiration du délai de présentation.

7) la disposition générales et pénales :

• La présentation et le protêt d’un chèque ne peuvent être faits qu’un jour ouvrable.

• Le délai de grâce n’est pas acceptable en matière de chèque.

• Entre commerçants, tout paiement d’une valeur supérieure à 10000 dhs doit avoir lieu par chèque barré ou par virement. Toute inobservation est passible d’une amende; tout le montant ne peut être inférieur à 6 pour cent de la valeur payée.

• Le tireur qui émet un chèque sans indication du lieu d’émission ou sans date ou qui comporte une fausse signature ou tiré sur une personne autre qu’un établissement bancaire est soumis à une amende de 6% du montant du chèque sans qu’elle soit inférieure à 100dhs.

• Une peine d’emprisonnement de 1 à 5 ans et une amende de 2000 à 10000dhs sans que cette

amende soit inférieure à 25% du montant de chèque ou l’insuffisance de provision pour les personnes ci-dessous :

- le tireur du chèque qui ne fournit pas de provision pour le paiement du chèque à la présentation.

- le tireur qui fait irrégulièrement défense au tiré de payer.

- la personne qui contrefait ou falsifie un chèque.

- toute personne qui en connaissance de cause, accepte de recevoir ou d’endosser un chèque non payable immédiatement et qu’elle conserve à titre de garantie.

- toute personne qui en connaissance de cause, accepte de recevoir, d’endosser ou d’avaliser un chèque falsifié ou contrefait .cependant le tireur d’un chèque sans provision qui aura constitué ou complète la provision dans les 20 jours de la présentation, la peine d’emprisonnement pourra être réduite ou supprimée.

- L’emprisonnement d’un mois à 2 ans et une amende de 1000dhs à 10000dhs pour celui qui émet des chèques après l’injonction d’interdiction qui lui a été adressé par la banque, hors de la présentation du chèque, toutefois cette interdiction peut être levée dans les cas suivants :

• le règlement par le tireur du montant du chèque impayé ou la reconstitution de la provision.

• le paiement d’une amende de 5% du montant du chèque impayé pour le 1er incident ,10% pour la

2ème injonction et 20% pour les incidents ci-dessus.

N.B. aucun sursis n’est admis sauf pour les peines d’emprisonnement.

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As China pledges to invest further in Africa, the BBC’s Christian Fraser examines the growing billion-dollar relationship between the two regions…. From BBC News. Full story

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