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Cash an HMRC cheque?
3ofmum13
Posts: 4 Newbie
in N. Ireland
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
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Comments
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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-charges0
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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.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
If this was permissible it would be open to abuse and fraud. Cheques made out as Account Payee only are done for a reason.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.
The best idea is to open a new account with no relationship to current bank.0 -
No chance!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.0 -
So - anyone can steal a cheque and get one in another name? Hmmmm....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.Now a gainfully employed bassist again - WooHoo!0 -
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=enA couple of links added. Unlike some I do check my facts before I post0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12
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