If you were a victim of the embarrassing cheque scam...

...and you received a refund cheque from an embarrassingly named company, would you cash it?

What matters most; money or avoiding embarrassment?

This 'Would You Rather?' dilemma is based on the urban myth commonly known as the 'embarrassing cheque scam'.  The scam works by a company advertising products at a bargain price, and then a few weeks later they reply to all the customers saying unfortunately they are unable to fulfill the order, so as a result they are returning everyone's money in the form of a cheque.

However, the refund cheques have a really embarrassing company name printed on them.  This blog is marked as 'No mature content' so unfortunately I can't give exact examples of what the name would be, but if you think along the lines of 'Erectile Dysfunction Treatment Ltd', 'The Adult Nappy Co.' or 'The Justin Bieber Fan Club' then you're not even close because the real company name would be ten times more humiliating than that.

The scam works on the basis that most people would be too embarrassed to cash the refund cheques, and therefore the company get to keep everyone's cash, while technically they've returned the money so they aren't breaking any laws.  Obviously some tight people (like myself) would overlook the embarrassment factor and cash the cheques anyway, but with smaller amounts of money a lot of people would be too embarassed to cash the cheques and would just write it off as bad luck.

But what would you do?  If the cheque was for £10 would you cash it or would you decide that it wasn't worth the shame of embarrassment?  Add your vote below to see how everyone else has voted.

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