Santander Cheque Imaging

eskbanker

aj23 wrote: »

So you're wrong to point out that I'm wrong and misrepresenting the poll findings and that it doesn't make sense. I said earlier 75% based on what I'd written in my email, that people have them, and use them on a semi-regular to regular basis. If you want to get into the definitions of what constitutes semi-regular or regular, we can have that discussion. But the fact remains that 12 months ago when they did the poll, up to 75% of people were still using them.

I'm not really interested in what you put in an email, I'm simply referring to the published data from that poll to highlight the factual inaccuracy of your post #4 assertion that the poll found that "Only 25% either didn't use, hadn't done for a few years, or do a few times a years. The other 75% was still on a weekly, to monthly, to quarterly basis in the last three years" - I even did the maths for you in post #8, showing that the findings were actually the opposite of what you claimed them to be.

You can come up with arbitrary definitions of 'regularity' if you choose to do so for your own purposes; I was just referring to those categories used by MSE in their poll, which was of course about use of cheques, not ownership of cheque books.

aj23_2

eskbanker wrote: »

I'm not really interested in what you put in an email, I'm simply referring to the published data from that poll to highlight the factual inaccuracy of your post #4 assertion that the poll found that "Only 25% either didn't use, hadn't done for a few years, or do a few times a years. The other 75% was still on a weekly, to monthly, to quarterly basis in the last three years" - I even did the maths for you in post #8, showing that the findings were actually the opposite of what you claimed them to be.

You can come up with arbitrary definitions of 'regularity' if you choose to do so for your own purposes; I was just referring to those categories used by MSE in their poll, which was of course about use of cheques, not ownership of cheque books.

Well you asked me and I clarified, now you're not interested? I did the Maths last year and just presented them to you. It's the same data and an analysis of it in numbers. It's virtually one and the same so why you're pitting it as the other end of the spectrum I don't know. If you could be bothered to read it, you'd know that. Instead, you haven't, and look silly for making it sound so different.

Why should I take note of and be interested in what you have to say when you're not? You can't pick and choose when you want to listen and when you don't. I've presented the facts for you and you don't want to listen so...

eskbanker

Getting back to the topic rather than the strange attempted deflection to an irrelevant email, can you really not see the discrepancy between:

aj23 wrote: »

Only 25% either didn't use, hadn't done for a few years, or do a few times a years. The other 75% was still on a weekly, to monthly, to quarterly basis in the last three years.

and the actual data from the poll:

eskbanker wrote: »

All the time 8.1%
Around once a month 17.3%
A few times a year 27.6%
Around once a year 13.1%
Once every few years 9.0%
At least 3 years ago 18.3%
Never 6.6%

The bottom five lines are the 75% who "didn't use, hadn't done for a few years, or do a few times a years", leaving 25% in the top two lines (there was nothing about quarterly use in the poll), i.e. exactly the opposite proportions to what you claimed.

takman

aj23 wrote: »

I'll break it down for you and paste the email I sent. It was back in December last year a MSE writer wrote that it was "annoying" that you could only open a Birmingham Midshires savings account by cheque, because he doesn't use them and wasn't offered one. I asked him to remove the use of "annoying" as I said many people use them, to which he said no. I then used their own poll findings to show that he was wrong to say so and that MSE should remain impartial, which led to him agreeing and removing the term "annoying" from the BM savings blurb.

I wrote:
"Your own poll on cheque usage a few weeks ago shows that 11,647 out of the 15,501 people who voted have used cheques within at least once in the last three years, through to a few times a year, to every few months, to every month etc. Meaning that they all have a cheque books. All banks offer cheque books when you open or switch, you would have declined it if you haven't got one. It's not that you weren't offered one.

Incorrect; just off the top of my head two banks (Starling and Monzo) come to mind that do not offer cheque books at all.

Can you please correct your post just like you asked the MSE writer to correct theirs.

aj23 wrote: »

Out of the 3,854 who claim not to have used a cheque or a cheque book for more than three years, there will be a percentage of those who will have a cheque book, but just haven't used it. This shows that about 75% of the people you polled at the very least have one, and about 65% of them semi-regularly to regularly use one, and that you and your colleagues (who I guess are younger, like me) are actually in the minority.

Incorrect; You are able to use a cheque without having a cheque book. The DVLA is a good example where you have no choice but to receive a tax refund by cheque which forces people to use one.

aj23 wrote: »

As I said in the first email, half a billion cheques were written in 2016, making it major payment method still. If it was that laborious, it wouldn't even exist."

It would be interesting to see how many cheques are actually written by people and how many are produced by companies.

But if you compare them to other payment methods such as Debit Cards and Cash etc then it would be difficult to call them a major payment method by number of uses.

I would say they are laborious to use; just look at how often you see them used in shops and how many shops don't accept them at all.

aj23 wrote: »

So you're wrong to point out that I'm wrong and misrepresenting the poll findings and that it doesn't make sense. I said earlier 75% based on what I'd written in my email, that people have them, and use them on a semi-regular to regular basis. If you want to get into the definitions of what constitutes semi-regular or regular, we can have that discussion. But the fact remains that 12 months ago when they did the poll, up to 75% of people were still using them.

I certainly wouldn't say that semi regular use is a few times a year. Almost everyone will make at least a few transactions a week so if they are only using cheques a few times a year that is in no way semi-regular.

OceanSound

aj23 wrote: »

My OP was about in branch imaging for people's info, not mobile imaging.

I initially thought you were talking about mobile imaging too. Maybe make it clear in your OP title 'Santander Branch Cheque Imaging'.

Seems you are talking about this:
https://www.santander.co.uk/info/videohub/products-services-and-helpful-information/here-to-help-cheque-imaging-explained/Q81elf796Z8

Cheuqes deposited in branch cleared next working day (cheques deposited at post office or via courier, then an extra working day). THis is the same time as it takes for the Halifax in app mobile imaging cheques to clear. I've deposited a couple of cheques and been quite impressed. Seems the in-branch imaging is similar (if not the same) as the mobile imaging.

EarthBoy

aj23 wrote: »

I wrote:....All banks offer cheque books when you open or switch, you would have declined it if you haven't got one. It's not that you weren't offered one.

I'm afraid your information is woefully out of date. Contrary to what you state, most banks no longer offer cheque books when you open an account, so it doesn't mean you've declined one if you don't get one. I recently opened an account with Barclays and wasn't asked whether I wanted a cheque book or not. In fact there was nothing in the application process to suggest that any such thing as cheques existed. As This Is Money reported recently, it's becoming increasingly difficult to get a cheque book from most banks:

https://www.thisismoney.co.uk/money/saving/article-6283379/The-plot-write-cheques.html

Meanwhile, NatWest and Royal Bank of Scotland became the last bank to stop automatically issuing cheque books to new customers this year.

Now, current account customers must specifically request one, following in the footsteps of HSBC, Barclays and Lloyds. New digital banks, such as Monzo and Starling, do not offer them at all.

As my own experience shows, by "specifically request one" they don't meant that you have to tick a box to say that you want one when you open an account, they mean that you have to ring the bank or visit a branch and ask for one.

bristolleedsfan

Santander Cheque Imaging in Branch does anyone know if there is a cheque value limit please.


HSBC - 500.00 cheque value imaging limit via branch I was informed today


Barclays -Cheque Imaging not available in branch yet I was informed today


TSB Branch told me no cheque value limit for cheque imaging in branch ---will it get delayed again ????? :rotfl: