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    • No_Name
    • By No_Name 18th Apr 17, 11:30 AM
    • 59Posts
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    No_Name
    Halifax - depositing cheques
    • #1
    • 18th Apr 17, 11:30 AM
    Halifax - depositing cheques 18th Apr 17 at 11:30 AM
    Hi

    I haven't deposited cheques for quite some time now. What is the best way for me to do this?

    Can I give my sort code / account number to a family member to deposit over the counter in-branch or would I have to visit a branch with my card to deposit via a machine?

    I've a couple of dividend cheques from Apr and Sep 2015 which I've not yet presented - they're small amounts so I'm not fussed, but I notice it says replacement or unpresented cheques may incur a fee - surely the latter can't be true?
Page 1
    • gt94sss2
    • By gt94sss2 18th Apr 17, 11:35 AM
    • 3,969 Posts
    • 1,834 Thanks
    gt94sss2
    • #2
    • 18th Apr 17, 11:35 AM
    • #2
    • 18th Apr 17, 11:35 AM
    Hi
    Can I give my sort code / account number to a family member to deposit over the counter in-branch
    Originally posted by No_Name
    Yes.

    I've a couple of dividend cheques from Apr and Sep 2015 which I've not yet presented - they're small amounts so I'm not fussed, but I notice it says replacement or unpresented cheques may incur a fee - surely the latter can't be true?
    A bank may refuse to accept a cheque if it was issued more than 6 months before.

    If you're not good at payiong in cheques, perhaps have a look at the option of paying dividends directly into your bank account.
    • No_Name
    • By No_Name 18th Apr 17, 11:57 AM
    • 59 Posts
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    No_Name
    • #3
    • 18th Apr 17, 11:57 AM
    • #3
    • 18th Apr 17, 11:57 AM
    Thanks - that's what I plan to do, but sometimes the value of these cheques are not worth the effort!

    What happened to these Halifax shares windfall?

    In hindsight, I should have cashed these in and just stuck it in a savings account or even took a punt on some other shares!
    • Westie983
    • By Westie983 18th Apr 17, 2:20 PM
    • 3,710 Posts
    • 13,728 Thanks
    Westie983
    • #4
    • 18th Apr 17, 2:20 PM
    • #4
    • 18th Apr 17, 2:20 PM
    Hi

    I haven't deposited cheques for quite some time now. What is the best way for me to do this?

    Can I give my sort code / account number to a family member to deposit over the counter in-branch or would I have to visit a branch with my card to deposit via a machine?

    I've a couple of dividend cheques from Apr and Sep 2015 which I've not yet presented - they're small amounts so I'm not fussed, but I notice it says replacement or unpresented cheques may incur a fee - surely the latter can't be true?
    Originally posted by No_Name
    You can write your sort code and account number on the back of the cheques then someone can pay them in either via the paying in machine or the counter.

    I notice you said your cheques were from 2015, they will expire within 6 months unless specifically mentioned on dividend cheques they are normally 12 months. Normally it says the timescale on the left hand side of the cheque, and what to do if you want it reissued, and can then ask if a fee is applied.

    The cheques will out of date so they will be rejected either by the counter or when the cheque is validated from the paying in machine, and will need to reissued if they were issued in 2015, if you can be bothered or worth the postage and or phone call to get them reissued.

    Westie983
    Last edited by Westie983; 18-04-2017 at 2:23 PM.
    Save 12k in 2017 #16 Total £15130/£12000 126.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £250/£365 = 68.49%
    Virtual Sealed Pot #1 Total £1050/£1000 = 105.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%

    Total £18340/£15865 = 115.60%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • gt94sss2
    • By gt94sss2 18th Apr 17, 2:30 PM
    • 3,969 Posts
    • 1,834 Thanks
    gt94sss2
    • #5
    • 18th Apr 17, 2:30 PM
    • #5
    • 18th Apr 17, 2:30 PM
    I notice you said your cheques were from 2015, they will expire within 6 months unless specifically mentioned on dividend cheques they are normally 12 months. Normally it says the timescale on the left hand side of the cheque, and what to do if you want it reissued, and can then ask if a fee is applied.

    The cheques will out of date so they will be rejected either by the counter or when the cheque is validated from the paying in machine, and will need to reissued if they were issued in 2015, if you can be bothered or worth the postage and or phone call to get them reissued.
    Originally posted by Westie983
    Most cheques are actually valid for 6 years but banks may refuse to take them after 6 months - it all depends on if they notice/can be bothered.
    • No_Name
    • By No_Name 18th Apr 17, 3:43 PM
    • 59 Posts
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    No_Name
    • #6
    • 18th Apr 17, 3:43 PM
    • #6
    • 18th Apr 17, 3:43 PM
    Thanks for the replies everyone.

    Sorry that I did not clarify that I have current cheques which needs to be banked in addition to a couple of 2015 cheques lying around.

    I'm not going to bother with those 2015 one - will keep them as a momento and remind me what could have been if I'd have been wiser - cashed in and invested elsewhere!
    • christiem94
    • By christiem94 18th Apr 17, 7:26 PM
    • 8 Posts
    • 4 Thanks
    christiem94
    • #7
    • 18th Apr 17, 7:26 PM
    • #7
    • 18th Apr 17, 7:26 PM
    Either or you someone else can pay them in at the counter or paying in machine. Or you could also post them to your local branch leaving your sort code and account number with the cheques if you struggle to get to a branch, although as you said, they may not even be worth the value of a stamp, in which case is probably not the best option.
    • MarkFromCornwall
    • By MarkFromCornwall 18th Apr 17, 8:46 PM
    • 691 Posts
    • 413 Thanks
    MarkFromCornwall
    • #8
    • 18th Apr 17, 8:46 PM
    • #8
    • 18th Apr 17, 8:46 PM
    You can also pay cheques into a Halifax current account at your local post office (but you do need to put it in the right envelope from the Halifax together with the usual paying in slip).
    • No_Name
    • By No_Name 20th Apr 17, 10:40 AM
    • 59 Posts
    • 0 Thanks
    No_Name
    • #9
    • 20th Apr 17, 10:40 AM
    • #9
    • 20th Apr 17, 10:40 AM
    Does the pay-in deposit machines / boxes in branch require the account holder's card?

    I have a few pay-in envelopes from a year or two ago but never made use of them.
    • Carrot007
    • By Carrot007 20th Apr 17, 10:44 AM
    • 469 Posts
    • 363 Thanks
    Carrot007
    Does the pay-in deposit machines / boxes in branch require the account holder's card?

    I have a few pay-in envelopes from a year or two ago but never made use of them.
    Originally posted by No_Name
    The machines in my local Halifax have just changed so you can either use the card or key in your account number.
    • Westie983
    • By Westie983 20th Apr 17, 10:48 AM
    • 3,710 Posts
    • 13,728 Thanks
    Westie983
    Does the pay-in deposit machines / boxes in branch require the account holder's card?

    I have a few pay-in envelopes from a year or two ago but never made use of them.
    Originally posted by No_Name
    No not anymore, the Immediate Deposit Machine (IDM) has been upgraded to allow you just to put a sort code and account number in or a card if you have one.

    The Express Paying In (EPI) envelope system just needs the sort code and account number written on the attached paying in slip and then all put inside the envelope and post through the deposit slot/letter box.

    gt94sss2

    Cheques are legally valid for six years if not otherwise specified and most dividend cheques have the expiry written on them, hence my comment that the 2015 cheques will be out of date, and will not be accepted.

    You are correct there are times that the dates are missed and then cheques are return to customer from the clearing centre, and cashier are trained to check dates on cheques on both counter credits and via the IDM and EPI, and its not just a case of cant be bothered, although I agree it can sometimes be missed.

    Westie983
    Last edited by Westie983; 20-04-2017 at 10:54 AM.
    Save 12k in 2017 #16 Total £15130/£12000 126.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £250/£365 = 68.49%
    Virtual Sealed Pot #1 Total £1050/£1000 = 105.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%

    Total £18340/£15865 = 115.60%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 20th Apr 17, 10:51 AM
    • 3,710 Posts
    • 13,728 Thanks
    Westie983
    The machines in my local Halifax have just changed so you can either use the card or key in your account number.
    Originally posted by Carrot007
    Makes the queue at counter shorted now customers can pay into any Halifax/BOS account using the machine, one upgrade Im glad they have done.

    Although I havent checked if it accepts Lloyds a/c numbers, I will go and have a test to find out if it works for all LBG accounts

    Westie983
    Save 12k in 2017 #16 Total £15130/£12000 126.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £250/£365 = 68.49%
    Virtual Sealed Pot #1 Total £1050/£1000 = 105.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%

    Total £18340/£15865 = 115.60%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • No_Name
    • By No_Name 20th Apr 17, 10:56 AM
    • 59 Posts
    • 0 Thanks
    No_Name
    Thanks peeps - think I'll arrange for someone to drop in an envelope
    • Armorica
    • By Armorica 23rd Apr 17, 11:30 PM
    • 660 Posts
    • 498 Thanks
    Armorica

    gt94sss2

    Cheques are legally valid for six years if not otherwise specified and most dividend cheques have the expiry written on them, hence my comment that the 2015 cheques will be out of date, and will not be accepted.

    You are correct there are times that the dates are missed and then cheques are return to customer from the clearing centre, and cashier are trained to check dates on cheques on both counter credits and via the IDM and EPI, and its not just a case of cant be bothered, although I agree it can sometimes be missed.

    Westie983
    Originally posted by Westie983
    That's just not true (6 years).

    Most issuers/paying banks will refuse to pay after six months. This may be written into terms and conditions. Some issuers write on 3 or 12 months onto their cheques (where e.g. a corporate customer is making it's own payment decisions).

    Six months vs. six years is confusing the payment instrument (the cheque) with the legal debt. After six months, the payment instrument is no longer valid. But it counts as evidence of a debt - and you are likely to have to ask for a new payment instrument to be provided.

    For dividends, it would generally be easier to provide your account details so paid via Bacs.
    • gt94sss2
    • By gt94sss2 23rd Apr 17, 11:42 PM
    • 3,969 Posts
    • 1,834 Thanks
    gt94sss2
    That's just not true (6 years).
    Originally posted by Armorica
    According to the body responsible for cheque clearing:

    Is it true that cheques are only valid for six months?

    No. A cheque is valid for as long as the debt between the two parties (i.e. the person writing the cheque and the person they give it to) exists. In other words, cheques don’t have an expiry date. However, it is common banking practice to reject cheques that are over six months old to protect the person who has written the cheque, in case the payment has been made another way or the cheque has been lost or stolen. This six-month timeframe is at the discretion of individual banks. It should not be assumed that cheques older than six months would automatically be rejected as the only definite way to cancel a cheque is for the person who wrote it to request that a stop be placed on it. If you have a cheque that you want to pay in that is more than six months old, your best course of action is to not pay it in and instead obtain a replacement from the person who gave it to you. Where there is a dispute, a cheque remains legally valid in order to provide proof of the existence of a debt for a period of six years, which is the Statute of Limitations.
    As I said, it's generally up to the bank if they accept it if over 6 months (many will - just try it and see) and remains legally valid for 6 years but better to pay them in sooner rather than later.
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