Cheque not signed in accordance with mandate

welwynrose

My mother in law 77 wrote me a cheque which has rejected as it wasn’t signed according to the mandate she’s terminally ill can’t even remember how she signed the mandate & the Indian call centre was as much use as a chocolate fire guard , she can’t have a home visit as they’ve suspended them due to Coronavirus & she’s too ill to visit a branch & is supposed to be staying indoor because of the virus. She’s tried to set up phone & online banking but hasn’t received the codes as the post office redirection seems to have failed. Has anyone got any suggestions 

xylophone

 She’s tried to set up phone & online banking but hasn’t received the codes as the post office redirection seems to have failed.

Your MIL has recently moved house? If so, is it possible to check with the new owners whether there is post addressed to her at the old property?

welwynrose

xylophone said:

 She’s tried to set up phone & online banking but hasn’t received the codes as the post office redirection seems to have failed.

Your MIL has recently moved house? If so, is it possible to check with the new owners whether there is post addressed to her at the old property?

Yes she’s moved in with us, we contacted the estate agent and asked them to contact the buyers to forward any mail they had but we’ve received nothing we can’t chase the Royal Mail about it until we receive the un-redirected mail it’s a chicken & egg conundrum, she can’t change her address over the phone without the codes & they will only send the codes to the address on the account and even without the Coronavirus she’s too ill to go to the branch to change her address. The only thing we’ve got in her new address is her driving licence

jonesMUFCforever

How much was the cheque for?
I am assuming it was over £1000 as below that they probably would not check signatures.
Do you have Power of Attorney?
Most debit cards will let you have £500 at an ATM per day if she has a card and will let you have the PIN? Don't try this in a branch unless you sign on her account.

welwynrose

We only just got the diagnosis it’s come on really quick and it takes 10 weeks to get the power of attorney sorted and we’re not sure if she’s going to last that long, she gave me her card and pin a few weeks ago as she wasn’t well and yes it was a large cheque as she wanted to give us part of my husbands inheritance early from the proceeds of the sale of her property 

Ergates

Due to the extraordinary circumstances we find ourselves in, some processes which would normally be quite straightforwards are going to break.  Companies, including banks, will be working to find ways around problems (like elderly people not being able to come into branches or have a home visit), but this will take time. 
You might just have to wait it out.

welwynrose

Ergates said:

Due to the extraordinary circumstances we find ourselves in, some processes which would normally be quite straightforwards are going to break.  Companies, including banks, will be working to find ways around problems (like elderly people not being able to come into branches or have a home visit), but this will take time. 
You might just have to wait it out.

A lovely young lady from Liverpool helped my mother in law out this morning as she could answer all her various security questions she got an supervisor to authorise the change of address and they are resending the information to do phone & telephone banking they’ve also started to do the voice capture for security, unfortunately we don’t really have time to wait it it

born_again

If they allowed her to get through security and change the address. Why did she not then make a bank transfer to you? You could then have destroyed the cheque.

Ergates

welwynrose said:

Ergates said:

Due to the extraordinary circumstances we find ourselves in, some processes which would normally be quite straightforwards are going to break.  Companies, including banks, will be working to find ways around problems (like elderly people not being able to come into branches or have a home visit), but this will take time. 
You might just have to wait it out.

A lovely young lady from Liverpool helped my mother in law out this morning as she could answer all her various security questions she got an supervisor to authorise the change of address and they are resending the information to do phone & telephone banking they’ve also started to do the voice capture for security, unfortunately we don’t really have time to wait it it

That's a good result.  

welwynrose

born_again said:

If they allowed her to get through security and change the address. Why did she not then make a bank transfer to you? You could then have destroyed the cheque.

She doesn’t currently have phone or online banking so didn’t have a passcode she could give, now they’ve managed to update her address details she should have these by Monday

born_again

welwynrose said:

born_again said:

If they allowed her to get through security and change the address. Why did she not then make a bank transfer to you? You could then have destroyed the cheque.

She doesn’t currently have phone or online banking so didn’t have a passcode she could give, now they’ve managed to update her address details she should have these by Monday

I don't get that. If they were happy to change address on the basis of her answering the security questions. That should have been enough to allow her to make a payment.
Phone passcode is irrelevant, as they were happy she was the customer.