Why do these muppets need me to have a chequebook?

DCFC79

p00hsticks wrote: »

Not necessarily - I've just had a look and although my Nationwide, Santander and Halifax debit cards all do, my Nat West one only has the sort code, no account number.

To add to that my Lloyd's, TSB and Barclay's Debit Cards have the account number and sort code but my RBS card only has the sort code printed.

[Deleted User]

tiptoe_mouse wrote: »

I'm guessing the reason people are emphasising this is to make the OP aware that you can, with a little work, have a number of these interest paying accounts and therefore have several grand earning 3%-5% interest. See this page:
http://www.moneysavingexpert.com/savings/savings-loophole

However, the OP may consider this to much work.

I was already aware, thanks. My post was about opening a savings account not a current account. I've now found an instant access savings account that meets my needs.
http://www.kentreliance.co.uk/Savings-Accounts/V10EN-Easy-access-account---issue-10
1.65% gross for £1000+. It doesn't require a complex series of monthly transfers to take place and can be opened in my chequebook-free zone.

Chordeiles

Could be that ICICI heard you ! I just tried to open a super saver (issue 1) account and it didn't look like I was going to need a cheque book.
However, the application "form" was a bit clunky and went completely barking at the end, failed and took me to a "login again" page when I don't have a login name yet.
So I have no idea if I have opened an account or not. In fact I'd rather have showed a chequebook and had a more convincing experience

duchy

AndyT678 wrote: »

I don't think I get the logic there. Going into town and queuing up in a bank to get a copy of a card certified doesn't sound like much of a saving in time, cost and inconvenience to me compared to just waiting for a cheque book to arrive in the post...

Depends if the poster had a reason to be in town anyway or not.
Most people do venture out now and again .

Sam_J12

I'm with OP. Always a source of irritation to me when I have to send a cheque. I don't even have a chequebook right now. Cheques are on the way out though - give it a few more years...

Flobberchops

New technology could extend cheques' lifespan a bit. I read a projection that by 2017 the cheque validation cycle should be down to 2 working days compared to the current five.

I too have a dim view of the ruddy things though. Very anachronistic and a fraudster's paradise.

Carnival789

Have to agree the cheque thing is a pain in this day and age. Times have moved on from when you would automatically get issued with a cheque book when opening a current account- in my recent experience you have to specifically request one.

What with cheque usage waning and constantly being encouraged to go paperless etc it's no surprise that some people don't even have a cheque book.

But, at the end of the day, if thems the rules then it's a question of either grinning and bearing it or voting with your feet!

bigfreddiel

Just don't use the chequebook, shred it even. Who's the muppet now!

Santander pays 3%, TSB 5%, Lloyds 4%

Cheers fj