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Using POST OFFICE to pay into CO OP Bank?
Gatser
Posts: 625 Forumite
From my recent experience...DON'T!!!
The Co-Op / Post Office envelope says "Allow 3 days for Cheque to clear"
The reality was that after 14 days, no cheque showing on my bank account.
The cheque issuer did not see anything on their account either.
I phoned the POST OFFICE and CO OP BANK several times over a number of days.(I have a Post Office receipt for my deposit)
POST OFFICE say "Due to Data Protection we cannot discuss your bank account so you need to get Co Op bank to contact our liaison team to resolve this"
CO OP BANK say "As the cheque has not debited the issuers account, we just have to apologise and you need to ask them to cancel the cheque, reissue and start again!"
I have tried (and FAILED!) to get both POST OFFICE and CO OP BANK to see that they have FAILED in their duty of care with my cheque and now I have to ask issuer to cancel cheque and reissue!
They could not explain what the point of giving me a receipt was for! Clearly the Post Office have LOST my cheque and incapable of tracing its whereabouts. Grrrrrr.....
Who can I complain to?
They need to mend their ways and TAKE SOME RESPONSIBILITY.
The contact at CO OP BANK told me I should have paid the cheque directly into a CO OP BANK branch!! Are these people for real? :mad:
The Co-Op / Post Office envelope says "Allow 3 days for Cheque to clear"
The reality was that after 14 days, no cheque showing on my bank account.
The cheque issuer did not see anything on their account either.
I phoned the POST OFFICE and CO OP BANK several times over a number of days.(I have a Post Office receipt for my deposit)
POST OFFICE say "Due to Data Protection we cannot discuss your bank account so you need to get Co Op bank to contact our liaison team to resolve this"
CO OP BANK say "As the cheque has not debited the issuers account, we just have to apologise and you need to ask them to cancel the cheque, reissue and start again!"
I have tried (and FAILED!) to get both POST OFFICE and CO OP BANK to see that they have FAILED in their duty of care with my cheque and now I have to ask issuer to cancel cheque and reissue!
They could not explain what the point of giving me a receipt was for! Clearly the Post Office have LOST my cheque and incapable of tracing its whereabouts. Grrrrrr.....
Who can I complain to?
They need to mend their ways and TAKE SOME RESPONSIBILITY.
The contact at CO OP BANK told me I should have paid the cheque directly into a CO OP BANK branch!! Are these people for real? :mad:
THE NUMBER is how much you need to live comfortably: very IMPORTANT as part 1 of Retirement Planning. (Average response to my thread is £26k pa)
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Comments
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Cheques can get lost even when paid directly into a bank branch, The procedure is usually as Co-op have advised you. Get the cheque reissued.0
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I have had a similar problem recently with a Santander deposit envelope. Issuer concerned will only check/re-issue if i send a letter which is inconvenient.0
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YOU LOVE CAPS LOCK DON'T YOU!
Cheques get lost, deal with it. The cheque isn't even worth anything, it's not as if it was cash which was lost. FWIW I've paid in plenty of cheques at the post office to the Coop and I've had no problems.0 -
YOU LOVE CAPS LOCK DON'T YOU!
Cheques get lost, deal with it. The cheque isn't even worth anything, it's not as if it was cash which was lost. FWIW I've paid in plenty of cheques at the post office to the Coop and I've had no problems.
YES, I AM DEALING WITH it.... BUT the BANK are NOT BEING VERY HELPFUL and I DO NOT RECALL acceptance OF RESPONSIBILITY...
I AM PLEASED that you have had no PROBLEMS.
hence zero Sympathy.
But at least I learnt that the cheque is worthless... like some advice I suppose. :rotfl:THE NUMBER is how much you need to live comfortably: very IMPORTANT as part 1 of Retirement Planning. (Average response to my thread is £26k pa)0 -
YES, I AM DEALING WITH it.... BUT the BANK are NOT BEING VERY HELPFUL and I DO NOT RECALL acceptance OF RESPONSIBILITY...
I AM PLEASED that you have had no PROBLEMS.
hence zero Sympathy.
But at least I learnt that the cheque is worthless... like some advice I suppose. :rotfl:
What do you want the bank go do? The cheque is lost, they can't make another for you, they can't take your word it was worth the value. There's not a lot they can do in your situation. Whomever was at fault it's mostly irrelevant as it's not going to help your situation.
Of course the cheque is worthless, you could have paid the cheque in and the issuer put a stop on it. It's one reason I don't like receiving them much but what can you do when folks issue them. They really aren't worth the paper they're written on.0 -
Over TWO WEEKS after paying in my cheque to the Post Office, it has appeared on my Co Op Bank statement!
CONCLUSION: Avoid using Post Office for Bank Deposit transactions!THE NUMBER is how much you need to live comfortably: very IMPORTANT as part 1 of Retirement Planning. (Average response to my thread is £26k pa)0 -
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Over TWO WEEKS after paying in my cheque to the Post Office, it has appeared on my Co Op Bank statement!
CONCLUSION: Avoid using Post Office for Bank Deposit transactions!
As my nearest Co-op branch is more than an hours drive away I shall decline to follow your suggestion.
"We act as though comfort and luxury are the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about” – Albert Einstein0 -
Archi_Bald wrote: »I fail to see the logic leading to this conclusion because you don't know where the hold-up was.
Easy... the logic is:
* paying in via PO/COOP failed to deliver acceptable service level
* I do not wish this to happen again
* therefore do not use PO/COOP again!THE NUMBER is how much you need to live comfortably: very IMPORTANT as part 1 of Retirement Planning. (Average response to my thread is £26k pa)0 -
Clive_Woody wrote: »
As my nearest Co-op branch is more than an hours drive away I shall decline to follow your suggestion.
Your choice, your risk!
I wish you well...;)THE NUMBER is how much you need to live comfortably: very IMPORTANT as part 1 of Retirement Planning. (Average response to my thread is £26k pa)0
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