Cash an HMRC cheque?

3ofmum13

Okay so bare with me. My partner got a cheque from HMRC for tax return, he cannot cash it into his bank account as he is minus £290. He lost his job in January of this year and then couldn't find another one because of coronavirus and lockdown and the bank just kept charging him overdraft fees even tho he explained to them that he had lost his job. still looking now but has had no luck as of yet, we are on a joint UC claim that goes into my account. So he can't deposit the cheque into my account because it has AC PAYEE ONLY on it. What can he do? Would opening a savings account and depositing it in there work? Appreciate the comments and help. Thanks 

BigAl94

Try to open an account elsewhere, lodge the cheque, wait for it to clear then lift the cash. Circumstances may make it difficult to open an account though.  Have a read here re the overdraft charges https://www.moneyadviceservice.org.uk/en/articles/how-to-reclaim-unfair-bank-charges

Skint_yet_Again

If your partner cannot open a new account he could send the cheque back & ask for it to be reissued in another name, yours maybe or another trusted person to cash it & give him the money. 

jonesMUFCforever

Skint_yet_Again said:

If your partner cannot open a new account he could send the cheque back & ask for it to be reissued in another name, yours maybe or another trusted person to cash it & give him the money. 

If this was permissible it would be open to abuse and fraud. Cheques made out as Account Payee only are done for a reason.
The best idea is to open a new account with no relationship to current bank.

ballyblack

Skint_yet_Again said:

If your partner cannot open a new account he could send the cheque back & ask for it to be reissued in another name, yours maybe or another trusted person to cash it & give him the money. 

No chance!

RobM99

Skint_yet_Again said:

If your partner cannot open a new account he could send the cheque back & ask for it to be reissued in another name, yours maybe or another trusted person to cash it & give him the money. 

So - anyone can steal a cheque and get one in another name? Hmmmm....  

Skint_yet_Again

Cheques can be returned to HMRC requesting a replacement to a nominee 
https://www.gov.uk/hmrc-internal-manuals/repayment-claims-manual/rm5016

https://mobile.twitter.com/hmrccustomers/status/1175331120726073344?lang=en

A couple of links added. Unlike some I do check my facts before I post