so maybe that would help, but I don't know anyone who has, although if the cheques aren't honoured due to lack of funds then they are worthless anyway.

My sister let her property when she went to the US for 6 months. When she came back she found the tenants (who she had employed an agency to find for her and do all the banking and inventories etc) hadn't paid any utility bills.

The agency had scarpered (closed down and gone bankrupt) with the deposit they held against any defaults like that.

She found herself on a Bad Creditor listing as a result.

I don't know if my last tenant sub-let, I suspect he did, but he was also a 'bad payer' of rent and bounced cheques on me a few times. It's the risk you take when letting out property.