What's each bank's policy on taking Bank Giro Credits?

Extant

Lokolo wrote: »

Older than 20.....

I'm in my twenties (I've been working since I was sixteen).

Extant

ShelfStacker wrote: »

Aside from that, I've written exactly two cheques seriously, excepting today when I wrote one for £12billion as a joke.

I've done that on a branch draft before. Well, similiar.

All of our internal accounts have an overdraft limit of £999,999,999. I figured if I wrote out a cheque for that amount, let it clear and collected the interest... then I could just reverse it out, right? Just a couple of nights of interest?

Sadly, I never had the balls to cash that draft.

ShelfStacker_3

A quick sum says that would net about £25k. Worth a shot, surely? I mean, by the time the cheque had cleared and you'd netted a few days interest... well, it wouldn't really matter if you got sacked, to be honest, would it?

(Note to any HSBC lawyers reading this: no, I am not bloody considering this. I have neither the cojones or the wherewithal. Sadly. )

Extant

It was a mistake. I meant to process the entries for £99.99, you see...

ShelfStacker_3

"That the entries went to the MoneySavingExpert.com top instant access savings account may have been a mistake. Sort codes are funny things."

Lokolo

BarclaysManager wrote: »

I'm in my twenties (I've been working since I was sixteen).

Unfortunately that still means you're older than me, therefore classed as "old".

But you got to manager pretty swiftly!!!

Extant

Lokolo wrote: »

Unfortunately that still means you're older than me, therefore classed as "old".

But you got to manager pretty swiftly!!!

Banking is no different to any other large business - 70% being good at your job, 30% knowing the right people.

sweetstudent

BarclaysManager wrote: »

Banking is no different to any other large business - 70% being good at your job, 30% knowing the right people.

My friend is 24 and shes a Northern Rock Branch Manager!!!

anyway, i never visit my bank, well only to complaint when i converted my a/c to student and a week later i got a letter from hsbc tellling me i was a graduate and would u like a mortgage!!!! lol

But in this reply i have a question to shelfstacker; does FD provide grad a/c or can i simply transfer my a.c to fd with same a/c number?

ShelfStacker_3

sweetstudent wrote: »

But in this reply i have a question to shelfstacker; does FD provide grad a/c or can i simply transfer my a.c to fd with same a/c number?

No. First Direct don't provide student or graduate accounts, and HSBC and First Direct are more or less seperate banks.

Inactive

ShelfStacker wrote: »

That's nothing. Back in the 50s, they had to walk 20 miles uphill both ways in the snow to do a simple balance enquiry. FPS? Don't give me none of that. Didn't even have BACS. They did bank transfer by smoke signal. And cheques were exchanged by carrier pigeon.

Back in the good old days.

That would be when the banks actually managed their affairs properly then?;)