In the mid 90's students/young people were used to deposit cheques into their student/young persons bank account. Cheques would usually be drawn on a closed account, lost/stolen book. A couple of days later, as in the day funds would be considered cleared, they would return to cash the vast majority of cheque amount, keeping a tiny proportion for themselves, in other words their cut. Initially the police were called but after several attempts by different kids, I realised it was more effective to get their parents involved. But they were old enough to get a criminal record which would have affected their credit rating and any future loan/mortgage applications. Most of these kids had no idea they were committing fraud.