OT: Paying in a cheque by phone.

I had to Google paying a cheque to my bank by post.

But I'd guess if you posted it to your own branch with all the required information, they'd sort it out for you? That's what I used to do before they closed it down. And haven't told me which is my new branch...

But it's not all about you ...

Again ....

The "reason" I've had from more than one source is "money laundering regulations". Which I suspect is cobblers. In BCCs case, they claim that they can't refund money back to the account it came from because they hadn't verified the identify of the account holder.

The other organisation *can* transfer funds, but it needs to be requested. Their SOP (which I suspect speaks to their core demographic) "prefer cheques". We have a string of complaints via the ombudsman against them anyway for other matters.

Which is all very well. But what if after a week, you don't see the funds, query it, and they say "what cheque ?" and refuse to act on their own receipt ?

You may have twigged by now, through a litany of experiences starting a long time ago, I have very little faith - or indeed proof - of competence in banking. It all started when I was 17 and they managed to disappear a few hundred pounds from my account in a "mix up" that I am still waiting for a letter of explanation for to this day. That was Barclays, by the way. Other incompetent banks can be found wherever you look.

with both the NatWest & HSBC you are asked to agree the amount OCRed, cheque by cheque.

That's impossible. If you have a receipt from the banks counter system then they will sort it, and if not the banking ombudsman will. I suspect you have simply never been in this situation (in recent years).

I've banked with Barclays since 1971. Not once have I had a problem. Never. Had a 'Treasurers Account' with Nationwide for over 25 years, and never had any problems with them.

In 1971 I was earning £974 a year, so your 'few hundred pounds' would have been a significant sum and in those days their branch book-balancing was even more stringent than it is now.

Doesn't your bank statement give that information? Mine does. For a number of years it was just a PO Box, after my branch had closed, but at the end of last year it turned into e real branch, nowhere near the closed one, but a real place nevertheless.

In article snipped-for-privacy@davenoise.co.uk>, "Dave Plowman (News)" snipped-for-privacy@davenoise.co.uk> writes

I had similar problem (Sony Xperia). Got there eventually with much spitting and cursing and moving it up down left right and round in circles.

Are you sure this is really secure? Brian

The Natural Philosopher snipped-for-privacy@invalid.invalid posted

Cash yes. Bearer bonds are now illegal in virtually all jurisdictions as a result of international action against money laundering (for which read tax evasion).

Everything has a risk, you might get hit by a bus on the way to the bank, you might get electrocuted by your phone when scanning the cheque. I'm just saying that the risk of 'lost in the post' is just about as vanishingly small as the other possibilities.

and, you can always go back to the issuer, tell them what has happened, get them to stop the cheque and issue another.

It's also possible a cheque paid in at your branch may go missing or whatever. S*it, as they say, happens.

I don't generally look at the paper statements. Since I do all my banking online - if I can. Apart from getting cash from an ATM.

In that case you have a receipt in the form of a copy or counterfoil of the paying in slip, stamped by the bank.

You have paying in slips?

Not a paying-in book, but the bank will supply one. If you use a machine inside the bank, it will issue with a slip which includes a facsimile of the cheque.

I get them in the back of my cheque book.

Damn. You seem to be a s*it magnet when it comes to financial transactions.