How to cash a HMRC Cheque?

a01020304

iluvmarmite wrote: »

There will be at least one high street bank, or post office that will let any one, regardless of credit history, open a basic account as there will be no overdraft facilities so they can get into financial difficulty with the bank.

The one thing that would stop it is no ID. OP, a friend wouldn't be able to put the cheque through their account as it has to be put through the account of the person named on the cheque.

You don't want to go to a cheque cashing service, you can't put it through your bank, the tax people won't pay by bacs so there is sod all you can do.

I have already stated I cannot get a high street bank account. I do not want to discuss why but fact is I cannot get one.

A post office account is identical to a prepaid debit card, so makes no difference if i was to get a PO account it does not have cheque cashing/deposit facility

a01020304

euanT wrote: »

just ask to have the cheque issued in a friends name, or family member, they did this for my daughter

I have already said i do not have any friends or anyone that i can nominate.

a01020304

dundeediva wrote: »

Have you tried to get a post office account?

PS. You're money isnt being held "hostage" but thanks for the giggles :T

It is being held hostage as i do not see why they cannot pay it by bacs... tax credits can be paid by bacs so why is tax refunds only paid by cheque only.
To me that is holding my money hostage and blatent discrimination to those who do not have conventional bank accounts.
Many people have prepaid or virtual accounts now and they are discriminating against those who do not have bank accounts.

poppasmurf_bewdley

a01020304 wrote: »

It is being held hostage as i do not see why they cannot pay it by bacs... tax credits can be paid by bacs so why is tax refunds only paid by cheque only.
To me that is holding my money hostage and blatent discrimination to those who do not have conventional bank accounts.
Many people have prepaid or virtual accounts now and they are discriminating against those who do not have bank accounts.

Well just to be awkward, when I have received a tax rebate, on the last three occasions the payment has been paid by BACS. But on the other hand, they sent my son a cheque!

Naf

a01020304 wrote: »

I have already stated I cannot get a high street bank account. I do not want to discuss why but fact is I cannot get one.

A post office account is identical to a prepaid debit card, so makes no difference if i was to get a PO account it does not have cheque cashing/deposit facility

Assuming you are a UK national (your grasp of language indicates you probably are); you CAN open a savings account somewhere.
There's not even a credit check to open a simple saving account where you can deposit the cheque.
Your options: savings account, cheque cashing service, cheque in friend/ family member's name.

It is neither being held hostage, nor discrimination. They have sent you the rebate; now it's up to you to make use of it.

tomtom256

Missed the BACS bit.

But as other have said you should be able to open a basic no thrills account or a cheque cashing facility .

Johno100

tomtom256 wrote: »

Missed the BACS bit.

But as other have said you should be able to open a basic no thrills account or a cheque cashing facility .

The OP has said in previous posts that he has a full UK Driving Licence, so he is almost half way to opening an account.

Bollotom

One thing has always puzzled me. Why can a cheque cashing service cash cheques but I can't put the same cheque through my son's account. Seems rather bizarre.:cool:

a01020304

tomtom256 wrote: »

Missed the BACS bit.

But as other have said you should be able to open a basic no thrills account or a cheque cashing facility .

I do NOT want to get into my private circumstances but I am NOT able to get a high street bank account.

My gripe is why can HMRC pay tax credits fine by bacs but only do tax refunds by cheque. Its not as if its a different organisation, its the same computer system they use, its the same banking system they use so why can they not pay a tax refund by bacs.
you say they not holding it hostage, but they are. They are denying me money that is legally mine.

iluvmarmite

a01020304 wrote: »

I do NOT want to get into my private circumstances but I am NOT able to get a high street bank account.

My gripe is why can HMRC pay tax credits fine by bacs but only do tax refunds by cheque. Its not as if its a different organisation, its the same computer system they use, its the same banking system they use so why can they not pay a tax refund by bacs.
you say they not holding it hostage, but they are. They are denying me money that is legally mine.

How can they be denying money that is legally yours when they have given it to you?

They have given you a cheque, the same as they do for thousands of people, everyone can get a very basic account and you keep saying you can't so it's something to do with your personal circumstances, and those circumstances must be very bad for you not to be able to open one.

If you want the money then you are going to have to use a cheque cashing service or just send the cheque back and forget about it as there is nothing else you can do.