HSBC cheque refused due to signature

gt94sss2

apophthegma wrote: »

I'll definitely be complaining to the Service Quality Team.

I did try to make the CHAPS payment using Telephone Banking, but they insisted I come into the branch with photo ID.

Apart from agreeing with all MarkyMarkDs comments, I would not be hasty in changing banks if I was you - CHAPS payments tend to cause a lot of extra work for a bank - I've also found that HSBCs/First Directs customer service tends to be better than the other big banks.

Also, its possible that the advice you received re: signing the back of the cheque actually made things worse/more suspicious..

Regards
Sunil

natweststaffmember

Yant1 a quick extra tip with regards to getting large amounts of cash when you are paying a solicitor. You may find the solicitor would not be able to take cash because of Inland Revenue rules, as well as money laudering rules. With regards to signing it on the back of the cheque to clear it quicker, not heard of that one either. Many banks do not take instructions for CHAPS over the phone for personal customers and secondary ID should be required. Let us put it this way, if someone takes 20 grand out of my account and all they needed to do this was to ring the bank I would be more than a little angry. If they simply did not ask for further ID for that amount again, i would be annoyed no end(understatement). It seems annoying I know but you either want no security or some security when making payments.

[Deleted User]

ejones999 wrote: »

Act like that and you will get free transport ................................in the back of a police car!

The police have much better things to do with their time such as eating donuts and doling out speeding tickets. I can picture the scene now "ok sir you have a nutter in your bank asking for his own money back, ill just type that up on my invisible typewritter".

HSBC and customer service, dont know where this myth comes from I guess people dont like to admit it when they are wrong thus they make up some other reason as to why they have lost tens thousands in lost interest, extra debt interest and a bizarre charges, premier banking what b*loks. :rotfl:

All banks have the same old muppets because the computers do the work nowadays, and teh computer, says No!

jonesMUFCforever

You have it your way then.
I'm always told better to issue an apology and a £25 'gift' to a customer for delaying a payment for getting adequate ID rather than lose upwards of say £10k by fraud!

Dylanwing

Good grief, some of you seem very happy to accept lazy, second-rate service by Banks. Banks make mega-billion pound profits, they are hardly on the bread-line. Yes, checking cheques is boting, I know from experience. But, the Bank has personal details on a PC, so how long does it take, just to verify a cheque? Probably less time than to return it. And the benefits, if it is fraud, it acts as an early warning system and may prevent greater loss. If not, it avoids the potential loss that a customer could face if the cheque is rejected. It's not just "£25 and a bunch of flowers", it is about fraud and protecting customers. If the Banks are too mean/ stupid to take reasonable care when dealing with large payments, they deserve to be hit hard.

I dealt with a lot of fraud, and just that bit of extra effort in warning other Banks/ customers saved thousands of pounds for Banks, and their customers. Some Banks were so rubbish I phoned the payees direct. Most were Companies, it took less than 5 minutes to trace a phone number, and a few minutes on the phone was all it took. On one occasion, my 10 minutes work saved a Company £32,000 as I was just in time to stop an order being shipped. And the Banks try and kid you that they care about fraud! Believe me they don't!

[Deleted User]

Completely agree

movilogo

signing it on the back of the cheque

This is quite a common practice in many countries. Just to double verify the signature.

However, I've not heard this in UK though.