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how to sell house & buy one with no cheque account

My friend has her debt managed by Debt Advisory Line (I know there are free alternatives - that's an issue for another day), which means that she has an account with Secure Trust Bank, which means no cheque book.
Her house is for sale, she's had an offer and has made an offer on another one. Can anyone help with how she manages to sell and buy without a cheque book and without access to large amounts going in and out?
With thanks.

Comments

  • agrinnall
    agrinnall Posts: 23,344 Forumite
    10,000 Posts Combo Breaker
    What account is it? Without knowing that we're only guessing at what payment options may be available.
  • gpf_2
    gpf_2 Posts: 8 Forumite
    Thanks for replying. All it says on the statements is Current Account. I'm wondering if all selling and buying monies go through a solicitor...? Too long since I've bought a house to remember the process. She does have a mortgage to pay off and will be able to afford that as well as buy the new house - so that will have to be managed too.
  • Yorkie1
    Yorkie1 Posts: 11,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Does she have online banking? If so, she can do transfers online to solicitors or lenders account.

    She just needs to plan ahead for larger sums of money - e.g. deposit money - and either transfer them in several tranches through this method. Or use CHAPs at about £35 per time.
  • csh_2
    csh_2 Posts: 3,294 Forumite
    Part of the Furniture Combo Breaker
    All my money went through the solicitor. I had enough equity in the sale to cover deposit on the new place.
    The solicitor received the sale proceeds, settled my old mortgage, paid the deposit on my new place, paid the estate agent, took their own fees then sent me a cheque for the balance.
  • moneyistooshorttomention
    moneyistooshorttomention Posts: 17,940 Forumite
    edited 15 May 2013 am31 5:11AM
    I've whacked every bit of money I have virtually into my building society savings account and was told by my building society that I could pay my solicitor by Chaps transfer and it would cost me £25.

    Pleased to see that I could apparently get my solicitor to pay my estate agent (presume this still applies - though my EA wants paying at "exchange of contracts" time - rather than at completion?).

    I could apparently also pay the £1400 my removal company will require by Chaps transfer as well - but am reluctant to pay a further £25 fee for that. So - could that also be paid by my solicitor? I'd rather not go through taking the money out as cash and heading straight for their office and physically handing over that cash if I can help it...
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