A neighbour who provided assistance to an elderly woman for nearly 15 years sought to enforce a $100,000 cheque given to him by the woman shortly before her death.
The woman had also made a bequest of $100,000 to the neighbour in her will.
The cheque was returned by the bank due to insufficient funds in the account, and the woman died before the shortfall could be remedied.
The court held that a gift by cheque is not complete until the cheque is cashed or has cleared.
Since the woman lacked sufficient funds in her account and died before the cheque could be presented for payment, the gift failed for lack of delivery.
The court also rejected arguments based on the Bills of Exchange Act, estoppel by convention, and equitable principles.