Stopping a building society cheque

Mikeyorks

grumbler wrote: »

ETA: LOL - I missed the above post either.

Note the highlighted word in your quote :

Unlike a cheque, a genuine banker's draft cannot be stopped

......... I haven't ever seen one of those, despite spending many years seeing tens of thousands of bank and building society counter cheques on a regular basis. And - of course - bank counter cheques can equally have a stop put on them.

chris301up

Hi everyone

Thank you all for your comments

I have just one other thought. With a building society cheque, unlike a bank account, the cash is immediately deducted from the account and, of course, there are no monthly statements.

Even if I am successful in stopping the cheque, how is the money repaid into the account?

PeacefulWaters

What a frustrating situation.

If the building society is being asked to issue a replacement cheque to the same payee I'd suggest their risk of being out of pocket as a result of both cheques being presented is payment are very slim. Even if that did happen they would get the duplicate funds back in time. I'd suggest using this argument as leverage with them.

The building society can cancel the cheque and recredit your account, which is how you get reimbursed. But issuing a replacement cheque would also be a form of reimbursement.

This was drawn from our local branch of West Bromwich Building Society and posted on 28th January to Driving Standards Agency at a PO address given on the renewal form.

The licence hasn't been delivered so I queried this. After many phone calls I have been informed by the DSA that they have not received this and subsequently I am now unable to give driving tuition.

Although I'm no expert on this situation my own dealings with the DVLA (as opposed to DSA) have been slow at best.

Would you normally have expected this situation to take less than ten days, including postage two ways? Sounds a tad optimistic to me.

Is there an online payment option that you could have used?

I am now unable to give driving tuition.

Given that your livelihood is at stake, I assume a vital lesson on doing things in good time has been learned.

[Deleted User]

chris301up wrote: »

I am a driving instructor and generally pay most things by cash or cheque.

At the end of January my instructor licence was due to expire so my wife kindly organised a building society cheque for £300 to cover the cost of renewal.

This was drawn from our local branch of West Bromwich Building Society and posted on 28th January to Driving Standards Agency at a PO address given on the renewal form.

The licence hasn't been delivered so I queried this. After many phone calls I have been informed by the DSA that they have not received this and subsequently I am now unable to give driving tuition.

Both myself and my wife have been in contact with the Building Society concerned and they advise for the cheque to be stopped they will I require a letter from the DSA stating that if it arrives in future they will not process it.

I have spoken to the DSA and they now refuse to provide this information in a letter so now I am £300 short in the pocket, I do not have my instructor licence and of course, have no idea where the original cheque has gone.

Any advice would really be appreciated?

Posted 28th Jan?

It's only 9th Feb today.

You have to allow at least 15 working days after the date the item was due to be delivered before even Royal Mail will consider a letter to have gone missing.

Why did you leave it so late if your licence was due to expire 3 days later, and your livelihood depends upon it??? :huh:

[Deleted User]

chris301up wrote: »

That sounds good but I borrowed the last £300 from a relative.

I am unable to get loans or overdrafts at present due to the current economic climate and lack of ongoing work.

If you've not got any ongoing work, the lack of a licence shouldn't bother you.

greyteam1959

Surely given the timescale you should have done an online payment ??

chris301up

Right. Again thank you for all of your comments.

Firstly, I always pay by cash or cheque and have done the very same licence renewal every four years since 1990 without any problem whatsoever.

I do not have a credit card or debit card and therefore cannot do an online transaction. Updated photo's are always required, and of course these cannot be done online. A passport size photo always has to be sent.

Generally I send these sort of documents by Royal Mail to be 'Signed For' but, in this instance, was advised not to do this as it was being posted to a PO Box number and therefore no signature could be obtained.

The timescale is not normally an issue as these are processed immediately when received. In this instance the cheque has clearly not been received, and therefore not processed, and this is where the problem lies.

I suppose stopping the payment isn't really the issue? What I really need to know is 'Where the hell did the application form and cheque go to?'

I do not have a great deal of work but, what little I do have, would be nice to keep!

custardy

chris301up wrote: »

Right. Again thank you for all of your comments.

Firstly, I always pay by cash or cheque and have done the very same licence renewal every four years since 1990 without any problem whatsoever.

I do not have a credit card or debit card and therefore cannot do an online transaction. Updated photo's are always required, and of course these cannot be done online. A passport size photo always has to be sent.

Generally I send these sort of documents by Royal Mail to be 'Signed For' but, in this instance, was advised not to do this as it was being posted to a PO Box number and therefore no signature could be obtained.

The timescale is not normally an issue as these are processed immediately when received. In this instance the cheque has clearly not been received, and therefore not processed, and this is where the problem lies.

I suppose stopping the payment isn't really the issue? What I really need to know is 'Where the hell did the application form and cheque go to?'

I do not have a great deal of work but, what little I do have, would be nice to keep!

Who informed you of that?
PO boxes are simply an administrative feature.
the mail is still delivered/collected and can still be signed for.
given the tight timescales and the value this licence is to you.
I would have paid for Special Delivery

jonesMUFCforever

chris301up wrote: »

Hi everyone

Thank you all for your comments

I have just one other thought. With a building society cheque, unlike a bank account, the cash is immediately deducted from the account and, of course, there are no monthly statements.

Even if I am successful in stopping the cheque, how is the money repaid into the account?

They will check if the original cheque has been debited to their account - if not it should be straightforward to stop it and put the money back into your wife's account.

Bernard_Coleslaw

Building society counter cheques can be stopped on the basis of loss, on the understanding that a duplicate, made out to the same payee, is produced.

I assume that's what you want, and if that's what you've asked for, I'm puzzled as to why West Brom haven't complied.