HMRC Tax Rebate Cheque,No Bank Account!

j3251

My friend received a HMRC tax rebate cheque..

Doesn't have a bank account!Would it be possible to cash the cheque at a post office with id?

jonesMUFCforever

j3251 wrote: »

My friend received a HMRC tax rebate cheque..

Doesn't have a bank account!Would it be possible to cash the cheque at a post office with id?

No; but he could open a bank account?

j3251

Unfortunately due to severe poor credit file he keeps getting refused.

antrobus

j3251 wrote: »

My friend received a HMRC tax rebate cheque..

Doesn't have a bank account!Would it be possible to cash the cheque at a post office with id?

Don't think POs provide that service.

There are various companies that do provide a cheque cashing service and will cash a HMRC cheque with suitable ID. They charge you for the service naturally.

Skint_yet_Again

.....or if he has a trustworthy friend or relative who would be happy to receive the payment on his behalf and pay it over once cleared he can return the cheque to HMRC and give them a nominee name and bank account details.

However, I think this can take 6 weeks

CLAPTON

maybe open a savings account that accepts cheques over the counter?

jennyo

Has he tried opening one with Barclays, a basic account ? As the woman in there once told me they will allow anyone to have one of those regardless of history.

John_Pierpoint

https://forums.moneysavingexpert.com/discussion/390435

mentalboy

Why do people always say 'Get a bank account'?

Has anybody (not in the Glasgow area) ever tried to open an account with a poor credit record and no fixed address?
It just isn't possible.

Some of us aren't so fortunate that we can just pop down to the local bank armed with reams of paper tying us to a property.

(And, no, not all homeless are unwashed, illiterate, alcoholic, junkies!)

So, if you've no account, for whatever reason, you've got little option but to harangue the issuer to reissue the cheque in a mate's name or pop down to your local cheque cash service (who will most likely turn you away without evidence of a fixed address)

dori2o

mentalboy wrote: »

Why do people always say 'Get a bank account'?

Has anybody (not in the Glasgow area) ever tried to open an account with a poor credit record and no fixed address?
It just isn't possible.

Some of us aren't so fortunate that we can just pop down to the local bank armed with reams of paper tying us to a property.

(And, no, not all homeless are unwashed, illiterate, alcoholic, junkies!)

So, if you've no account, for whatever reason, you've got little option but to harangue the issuer to reissue the cheque in a mate's name or pop down to your local cheque cash service (who will most likely turn you away without evidence of a fixed address)

TBH I don't agree with anything you have said.

I had poor credit, it still isn't great, but over the years I've managed to open accounts with Santander, Natwest, Halifax, and HSBC.

Many of the banks now do basic accounts which don't need a credit check and which only provide basic services- i.e. no cheque book, no debit card, no overdraft.

There are also credit unions where you would be able to deposit the cheque.

Especially in a world where most peoples salaries are paid by bank transfer, as a re most benefits, a bank account is no longer a luxury, it is a necessity.