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Tesco Wouldn't Accept Valid Cheque

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  • 29-06-2009 11:53pm
    #1
    eamon234
    Registered Users Posts: 1,924 ✭✭✭


    Was in Tesco this evening and got €100 odd worth of groceries - I've been shopping there for years and it's in a small town. The odd time I pay by cheque and never had any issues. When I got to the checkout the girl took the cheque as normal and went to get a manager to sign it - he the came over to me (obviously some gobsh1te trainee) and said he woudn't accept it because the number of the cheque guarantee card wasn't printed on the cheque!
    For as long as I've been using cheques that has never once come up and I've never seen the card number printed on the cheque. I got a new book yesterday and it's not on that either (PTSB btw). It was too late to ring the bank so I couldn't get them to confirm it and tell him what a nonce he was being.
    Does anyone else with another bank have this number printed on their cheques?
    I've been with three different banks over the years and never seen it.


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    #2
    JimmyFloyd
    Closed Accounts Posts: 152 ✭✭JimmyFloyd


    People still use cheques?

    Were you buying a Betamax player?


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    #3
    judas101
    Closed Accounts Posts: 1,581 ✭✭✭judas101


    JimmyFloyd wrote: »

    Were you buying a Betamax player?

    Hiiyyoooo!


    whats wrong with a oul laser card?

    Serioius response: I dont think theres a legal responsibility to accept cheques.


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    #4
    Fighting Irish
    Registered Users Posts: 7,065 ✭✭✭Fighting Irish


    eamon234 wrote: »
    Was in Tesco this evening and got €100 odd worth of groceries - I've been shopping there for years and it's in a small town. The odd time I pay by cheque and never had any issues. When I got to the checkout the girl took the cheque as normal and went to get a manager to sign it - he the came over to me (obviously some gobsh1te trainee) and said he woudn't accept it because the number of the cheque guarantee card wasn't printed on the cheque!
    For as long as I've been using cheques that has never once come up and I've never seen the card number printed on the cheque. I got a new book yesterday and it's not on that either (PTSB btw). It was too late to ring the bank so I couldn't get them to confirm it and tell him what a nonce he was being.
    Does anyone else with another bank have this number printed on their cheques?
    I've been with three different banks over the years and never seen it.

    :rolleyes:


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    #5
    Fighting Irish
    Registered Users Posts: 7,065 ✭✭✭Fighting Irish


    Tesco wouldn't accept my pound notes


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    #6
    JimmyFloyd
    Closed Accounts Posts: 152 ✭✭JimmyFloyd


    Fighting Irish wrote: »
    Tesco wouldn't accept my pound notes

    Was your cheque guarentee card number on them?


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    #7
    eamon234
    Registered Users Posts: 1,924 ✭✭✭eamon234


    judas101 wrote: »
    Hiiyyoooo!


    whats wrong with a oul laser card?

    Serioius response: I dont think theres a legal responsibility to accept cheques.

    I'm not talking about legal responsibilities read the post - he's saying the cheque card number should be printed on the cheque and it's not.


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    #8
    Ally Dick
    Registered Users Posts: 12,707 ✭✭✭✭Ally Dick


    eamon234 wrote: »
    I'm not talking about legal responsibilities read the post - he's saying the cheque card number should be printed on the cheque and it's not.

    It never is on the cheques. The guarantee card is supposed to be written on the back of the cheque by the drawer. That way the bank promises to guarantee all cheques up to the value of €100. If you don't have that guarantee, as far as Tesco are concerned, the cheque could bounce and they could be left high and dry. Time to get with the times and pay using laser or credit card. Cheques are being phased out. The government and the banks both want them out of the system.


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    #9
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,920 Admin ✭✭✭✭✭Toots


    Lets try and keep the replies helpful guys.

    I work in a bank and have never seen this on any cheques we issue. TBH it'd be a logistical nightmare because then if you were to lose your ATM/Cheque card, and a new one was issued, the number would be different. Any time I've used a cheque to pay for goods (once or twice for takeaway when I've had no cash), they've written the cheque guarantee card number on the back of the cheque. If it happens again, ask to speak to a different manager and see what they say.


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    #10
    LouOB
    Closed Accounts Posts: 1,181 ✭✭✭LouOB


    Cheques only ever have sort code, account number, cheque number and processing code printed on bottom. Nothing else

    The cheque and laser card are old, before even laser was accepted in stores. Cheque gaurantee card (laser card) number should be hand written on back of cheque and asked for by staff.Cheque is must more expensive than using laser - please check in branch for correct prices. At a guess, approx 20c per cheque issued plus government charges of 4c per cheque. Laser is less 4c per transaction

    The guy in Tesco's was inexperienced and not in banking - bless
    Next time get the cashier to go to authority who knows what they are doing
    Laser is cheaper


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    #11
    kmick
    Registered Users Posts: 3,375 ✭✭✭kmick


    Shop in Dunnes?


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    #12
    parsi
    Site Banned Posts: 5,904 ✭✭✭parsi


    I still use cheques - dead handy for business that don't have machines.

    My cheques don't have the guarantee card number on them and it was always my belief (beliefs can be wrong..) that the cheque payee had to inscribe the card number of the cheque himself to prove that he had inspected the gurantee card.


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    #13
    Greenmachine
    Registered Users Posts: 5,063 ✭✭✭Greenmachine


    people still use cheques for shopping. Wonder how may peeps still do the acronbatics of balancing there accounts, by virtue of the cheque taking a few days to clear.


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    #14
    Enright
    Registered Users Posts: 943 ✭✭✭Enright


    cheque quarantee is to the value of €130 euro, it was £100 and when we changed to euro this was €127 which was rounded up!

    I use cheques for my business account, laser on personal


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    #15
    JackieChan
    Closed Accounts Posts: 1,829 ✭✭✭JackieChan


    Greenmachine wrote: »
    people still use cheques for shopping. Wonder how may peeps still do the acronbatics of balancing there accounts, by virtue of the cheque taking a few days to clear.

    In my experience laser transactions can take awhile to post too!!
    I find cheques handy for paying some services, although more and more I do this online if not through DD.


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    #16
    unclebill98
    Registered Users Posts: 3,816 ✭✭✭unclebill98


    As mentioned the chq gar card is 130euro. Its up to the shop to take note of the Card Number. Shops can refuse a chq when there is no card or the amount is above 130, but you then may write 2 chqs etc.

    The bank must honour all chq's presented to them in this way. Chq are an out of date format for buying things so no doubt there are many shop assistents that have not come across this before.


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    #17
    Solair
    Closed Accounts Posts: 7,230 ✭✭✭Solair


    There are an increasing number of shops refusing cheques completely thesedays.

    You should just get your Cheque Guarantee card update to a combined Cheque Guarantee and Laser/Maestro card.

    That way you can save your cheque book for those things you can't pay by Laser.

    Also, it sounds like the clerk / manager in question was reading from a manual. i.e. something said 'the cheque must have the cheque guarantee card number printed on the back' and did not explain that by that it means, that you must print it on by writing it across the back.

    I think it's quite likely that Tesco don't see very many cheques anymore. Laser cards have taken over almost completely in instances like that.


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