The first invoice I received through the post after New Year contained one of these clauses. In the circumstances however, being still full of bonhomie and good naturedness, I contacted them to advise that, even in the (unlikely, I hope) event that my Bank did not honour my cheque, I was more than happy for them to retain the goods involved in the transaction whatever happened. I actually foresaw no circumstances where I would conceivably want the goods to be returned to me.
Generosity knows no bounds at this time of year!
Upon reflection, this magnanimity may also have been slightly coloured by the fact that the “goods” referred to in their invoice (Exhibit A below) were the contents of our Septic Tank which, before Christmas, they had just emptied and removed.
Enjoy your breakfast!