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cheque issue

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  • 09-08-2013 7:40pm
    #1
    tinkerbella
    Registered Users Posts: 5 ✭


    Received a cheque, crossed made payable to three names. We all have separate accounts, I'm wondering if my bank will let me lodge it into my account only. I intend to pay the other two payees but can't get the cheque reissued in separate names. The cheque is for 3 grand if that makes any difference and I'm not known to the bank:(


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    #2
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    What does the crossing say?


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    #3
    tinkerbella
    Registered Users Posts: 5 ✭tinkerbella


    it says account payee only, non negotiable!


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    #4
    Nervous Wreck
    Closed Accounts Posts: 16,115 ✭✭✭✭Nervous Wreck


    tinkerbella wrote: »
    it says account payee only, non negotiable!

    Asked and answered.


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    #5
    GerardKeating
    Registered Users Posts: 7,651 ✭✭✭GerardKeating


    tinkerbella wrote: »
    Received a cheque, crossed made payable to three names. We all have separate accounts, I'm wondering if my bank will let me lodge it into my account only. I intend to pay the other two payees but can't get the cheque reissued in separate names. The cheque is for 3 grand if that makes any difference and I'm not known to the bank:(


    Is it worth opening an account in your joint names to lodge this cheque ?


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    #6
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    You've got a problem then.

    Unless one of you has a very good relationship with his/her bank and they're prepared to negotiate the cheque regardless of the crossing. Unlikely though - generally speaking such a service is only offered to solicitors' accounts where the principals are prepared to sign an indemnity.

    Ask for the cheque to be reissued without the crossing.


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    #7
    tinkerbella
    Registered Users Posts: 5 ✭tinkerbella


    Ahh they won't reissue the cheque and I could really do with the money. I don't have a good relationship with the bank ,not a bad one but I don't earn enough money for them to care. One of the payees possibly would have some sway. However isn't prepared to do anything that involves taking time off to go to a bank which is fair enough. Oh well, I might just go in and chance my arm/beg, nothing to lose. Thanks for the help!


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    #8
    endacl
    Registered Users Posts: 22,305 ✭✭✭✭endacl


    Sounds like a clever way of issuing a cheque somebody doesn't want cashed. Suspicious...


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    #9
    tinkerbella
    Registered Users Posts: 5 ✭tinkerbella


    No it's not suspicious, it was an ancient savings cert for a couple of hundred quid back in the day!


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