cheques need to be cleared

builder22 · 3 Feb 2018 at 10:32

if you were waiting for your car to be fixed at a garage or maybe waiting for something you've ordered that you need to collect would you think it ok if you got a text saying
'Item ready to collect...cash or bank transfer is best, cheques need to be cleared. Thanks'

?

VincentHanna · 3 Feb 2018 at 10:34

Well yeah, because anyone can write a dodgy cheque.

NoobCannon · 3 Feb 2018 at 10:37

Who still uses cheques ??

garsands · 3 Feb 2018 at 10:44

People who don't have the money in the bank?

Jean-F · 3 Feb 2018 at 10:45

builder22 said:
if you were waiting for your car to be fixed at a garage or maybe waiting for something you've ordered that you need to collect would you think it ok if you got a text saying
'Item ready to collect...cash or bank transfer is best, cheques need to be cleared. Thanks'

?

I'd find it strange if they didn't take debit or credit cards.
The only time I ever use cheques these days, is if my daughters-in-law suggest that they
buy what my grandkids want for Christmas or birthdays, and I send a cheque to cover it.

Thekwango · 3 Feb 2018 at 10:58

OP, do you think it's not OK?

If so, what part?

I personally don't see anything wrong.

Efour · 3 Feb 2018 at 11:04

Go to a better garage?
What are you actually annoyed at? They don't want your bouncing cheque?
If you are not paying with a cheque, what are you actually annoyed at?
The tone of a mechanic that is sick of pikies bouncing cheques on him?

builder22 · 3 Feb 2018 at 11:05

I think it's fine...it's what I'm planning to do for my own customers...my dad used to take cheques for 100's, it's all friends of friends as the business is related to his hobby but I'm not so trusting...

I've thought about getting a card reader Jean-F

builder22 · 3 Feb 2018 at 11:06

Efour said:
Go to a better garage?
What are you actually annoyed at? They don't want your bouncing cheque?
If you are not paying with a cheque, what are you actually annoyed at?
The tone of a mechanic that is sick of pikies bouncing cheques on him?

calm down man

Brizzles · 3 Feb 2018 at 11:07

If i bought your car, for example, would you accept a cheque when i turned up to collect it ?

garsands · 3 Feb 2018 at 11:15

The only time I pay buy cheque is for my kids school photos.
My cheque book is 20 years old, it has 19__ per printed in the date.

Kronos · 3 Feb 2018 at 11:30

NoobCannon said:
Who still uses cheques ??

Would you believe some banks, we got a PPI rebate from Barclays in cheque form and Santander need 10 days to clear it.

VincentHanna · 3 Feb 2018 at 11:37

Off topic, how long did your PPI claim with them take once you got the letter confirming they were looking in to it?

Kronos · 3 Feb 2018 at 12:16

VincentHanna said:
Off topic, how long did your PPI claim with them take once you got the letter confirming they were looking in to it?

If this is aimed at me over two years as banks have now gone into delay mode and will try dubious tricks to invalidate the claim. One of the tricks they tried with us was they had no record of my partner at her current address even though she has lived here 40 years. The council in their infinite wisdom decided some years back to renumber all the houses and blocks of flats in our road after an old factory in the same road was converted into flats. So flat number remained the same but block number changed and the banks have tried to use that as an excuse for being unable to trace my partner.

Hotwired · 3 Feb 2018 at 12:33

Kronos said:
If this is aimed at me over two years as banks have now gone into delay mode and will try dubious tricks to invalidate the claim. One of the tricks they tried with us was they had no record of my partner at her current address even though she has lived here 40 years. The council in their infinite wisdom decided some years back to renumber all the houses and blocks of flats in our road after an old factory in the same road was converted into flats. So flat number remained the same but block number changed and the banks have tried to use that as an excuse for being unable to trace my partner.

Of all the dirty tricks a bank could pull, getting the council to renumber an entire street so the details don't match :eek:

Kronos · 3 Feb 2018 at 13:26

Hotwired said:
Of all the dirty tricks a bank could pull, getting the council to renumber an entire street so the details don't match

No, using the number change to try and stop the claim because the details don't match. Mind in my time I have had worse tactics from the bank beginning with B which involved the financial ombudsman and substantial compensation.

Caged · 3 Feb 2018 at 13:31

Nothing wrong with that policy, the only change I'd make is to not accept cheques at all. I couldn't pay with a cheque even if I wanted to.

jon86 · 3 Feb 2018 at 14:54

In the USA, for a fee, banks can provide you with a cashiers cheque, which is a cheque that's as good as cash. The money is withdrawn as the cheque is printed by the bank, and it's guaranteed to not bounce. Landlords seem to like them for initial rent deposits. Regular cheques are called 'personal cheques'.

tom_e · 3 Feb 2018 at 15:01

jon86 said:
In the USA, for a fee, banks can provide you with a cashiers cheque, which is a cheque that's as good as cash. The money is withdrawn as the cheque is printed by the bank, and it's guaranteed to not bounce. Landlords seem to like them for initial rent deposits. Regular cheques are called 'personal cheques'.

In the UK it's called a bankers draft but they're relatively expensive so you wouldn't be using them unless you really had to.

jon86 · 3 Feb 2018 at 15:04

tom_e said:
In the UK it's called a bankers draft but they're relatively expensive so you wouldn't be using them unless you really had to.

I've only had to get two in my life, and the cashier waived the fees each time; car loan deposit, and rental deposit. The fee would have been $18 per cheque.