Business Paid the CCJ by cheque. How long until I'm certain it's cleared

Meandmydoggy

Hi everyone. My elderly mum has a conservatory fitted last October. It has a couple of problems. For months we rang, emailed, went to see them. Yes we'll fix it. They never did. In the end I told them fix it, or I'll get it fixed and take you to court to claim the cost. They waited until they were ordered to pay, then sent mum a cheque, claiming they knew nothing of our complaints etc and to tell the court it's been paid, as it's harming his business, and his suppliers have stopped supplying him (load of bull basically) 
This cheque has now been paid in, BUT, because I have no trust in this firm, I'm afraid something will happen and it'll bounce, or they do a chargeback (not sure if they could do that?)
How long before I have to tell the court it's paid? I'm so afraid something will go wrong and we'll have to start all over again

MyRealNameToo

Chargebacks dont apply to cheques. 

Most banks now use imaging for cheques (see https://www.wearepay.uk/what-we-do/payment-systems/image-clearing-system/payment-system-participant-list/) and if yours does its 2 working days inc the day it was received for cleared funds (4 days if via Post Office). Once it's cleared the cheque cannot be stopped. 

The only partial exception is if they allege fraud 

A_Geordie

Meandmydoggy said:

How long before I have to tell the court it's paid? I'm so afraid something will go wrong and we'll have to start all over again

The claimant (your mum) is not required to inform the court the CCJ has been paid, that is up to the defendant to tell the court that the CCJ has been satisfied.

If the payment has not been reached your mum's account within the usual period for cheques or that the cheque has bounced, then your mum is entitled to enforce the CCJ by using the various methods available to her, baliffs being the common method of enforcement but will come at an additional cost and that cost will be recovered if the enforcement is successful. 

Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

MyRealNameToo

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

A_Geordie

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Sure, and each to their own though I am not sure I would understand why the inidvidual would not provide account details to do a transfer if the individual is already doing something similar such as paying for TV/internet/mobile services. 

Paying by cheque shifts the onus onto the claimant to deposit it and quite often I find those cheques have bounced or there are other reasons that leads to further delays and issues in receiving payment from the defendant (lost or damaged cheque for example). Some businesses try to push their luck and only until you explicitly state you are enforcing the CCJ do they decide to pay up.  

But if someone prefers to receive a cheque and do the extra work over a bank transfer then that's absolutely fine. However, given the way society banks and pays for goods and services, I consider cheques as a method of payment to be outdated (unless the law expressly states it must be paid by cheque or postal order). 

user1977

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Why do you have to go anywhere? You can post it to your bank. (ok, I suppose that means visiting a postbox...)

sheramber

A_Geordie said:

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Sure, and each to their own though I am not sure I would understand why the inidvidual would not provide account details to do a transfer if the individual is already doing something similar such as paying for TV/internet/mobile services. 

Paying by cheque shifts the onus onto the claimant to deposit it and quite often I find those cheques have bounced or there are other reasons that leads to further delays and issues in receiving payment from the defendant (lost or damaged cheque for example). Some businesses try to push their luck and only until you explicitly state you are enforcing the CCJ do they decide to pay up.  

But if someone prefers to receive a cheque and do the extra work over a bank transfer then that's absolutely fine. However, given the way society banks and pays for goods and services, I consider cheques as a method of payment to be outdated (unless the law expressly states it must be paid by cheque or postal order). 

There have been several posts from people who do not want to give their bank details.

Undervalued

sheramber said:

A_Geordie said:

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Sure, and each to their own though I am not sure I would understand why the inidvidual would not provide account details to do a transfer if the individual is already doing something similar such as paying for TV/internet/mobile services. 

Paying by cheque shifts the onus onto the claimant to deposit it and quite often I find those cheques have bounced or there are other reasons that leads to further delays and issues in receiving payment from the defendant (lost or damaged cheque for example). Some businesses try to push their luck and only until you explicitly state you are enforcing the CCJ do they decide to pay up.  

But if someone prefers to receive a cheque and do the extra work over a bank transfer then that's absolutely fine. However, given the way society banks and pays for goods and services, I consider cheques as a method of payment to be outdated (unless the law expressly states it must be paid by cheque or postal order). 

There have been several posts from people who do not want to give their bank details.

Which were of course on every cheque they wrote in the good old days!

lincroft1710

Undervalued said:

sheramber said:

A_Geordie said:

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Sure, and each to their own though I am not sure I would understand why the inidvidual would not provide account details to do a transfer if the individual is already doing something similar such as paying for TV/internet/mobile services. 

Paying by cheque shifts the onus onto the claimant to deposit it and quite often I find those cheques have bounced or there are other reasons that leads to further delays and issues in receiving payment from the defendant (lost or damaged cheque for example). Some businesses try to push their luck and only until you explicitly state you are enforcing the CCJ do they decide to pay up.  

But if someone prefers to receive a cheque and do the extra work over a bank transfer then that's absolutely fine. However, given the way society banks and pays for goods and services, I consider cheques as a method of payment to be outdated (unless the law expressly states it must be paid by cheque or postal order). 

There have been several posts from people who do not want to give their bank details.

Which were of course on every cheque they wrote in the good old days!

The original reference was to the payees who don't want to provide bank details, rather than the payers 

MyRealNameToo

A_Geordie said:

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Sure, and each to their own though I am not sure I would understand why the inidvidual would not provide account details to do a transfer if the individual is already doing something similar such as paying for TV/internet/mobile services. 

Paying by cheque shifts the onus onto the claimant to deposit it and quite often I find those cheques have bounced or there are other reasons that leads to further delays and issues in receiving payment from the defendant (lost or damaged cheque for example). Some businesses try to push their luck and only until you explicitly state you are enforcing the CCJ do they decide to pay up.  

But if someone prefers to receive a cheque and do the extra work over a bank transfer then that's absolutely fine. However, given the way society banks and pays for goods and services, I consider cheques as a method of payment to be outdated (unless the law expressly states it must be paid by cheque or postal order). 

Nor do I but there are people who are worried that someone could do "something" with them. The OP has explicitly stated they distrust the firm which may put them into a different category than their mobile provider who they probably think are broadly ok and likely safe to give account details to. 

I have to say I dont recall ever having a cheque bounce, not saying it didnt happen but just never to me. Since depositing cheques by photo was a thing probably only had circa 4 and both funds were there the next day. It's not like the days where paper cheques were moved around the country and it took 2 weeks to clear. 

Not sure of any law that stipulates payment by cheque or PO only? Certainly contracts may, though bankers drafts are probably more commonly added than postal orders. 

Undervalued said:

sheramber said:

A_Geordie said:

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

Whereas others are happy to take cheques but hate the idea of giving others their account details to do a transfer. 

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Sure, and each to their own though I am not sure I would understand why the inidvidual would not provide account details to do a transfer if the individual is already doing something similar such as paying for TV/internet/mobile services. 

Paying by cheque shifts the onus onto the claimant to deposit it and quite often I find those cheques have bounced or there are other reasons that leads to further delays and issues in receiving payment from the defendant (lost or damaged cheque for example). Some businesses try to push their luck and only until you explicitly state you are enforcing the CCJ do they decide to pay up.  

But if someone prefers to receive a cheque and do the extra work over a bank transfer then that's absolutely fine. However, given the way society banks and pays for goods and services, I consider cheques as a method of payment to be outdated (unless the law expressly states it must be paid by cheque or postal order). 

There have been several posts from people who do not want to give their bank details.

Which were of course on every cheque they wrote in the good old days!

Remember several people were horrified when I pointed this out, and all were old enough to have used cheques.

user1977 said:

MyRealNameToo said:

A_Geordie said:
Personally, I don't accept cheques as a method of payment since bank transfers are immediate and common practice these days.

It depends how much its for personally, sub £1,000 so can be paid in by app then a cheque is fine to me. More than £1k its a faff as have to go somewhere to deposit it. 

Why do you have to go anywhere? You can post it to your bank. (ok, I suppose that means visiting a postbox...)

Looking in the Barclays website there is no mention of personal lines customers being able to pay in a cheque by post. There is under the business section but they have to use the Barclays provided envelopes and include a credit slip neither of which I have so at best it'd add a week for them to post out to me and then more issues if something goes wrong with the post/handwriting etc.

Barclays also state your cheque won't be processed if you dont send it in to the business cheque processing centre, ie if you post it to your branch. They dont even say they'll return it to you if you do post it to your branch in error. Usual Barclays level of support. 

Meandmydoggy

Thank you very much for all your replies. Both my sister and I have power of attorney for mum (she's 87) and my sister actually does all her banking/bills etc. However, we were both repeatedly asking the company to fix the problem. It's only me that said if they didn't pay, I'd get someone else to do it, and threatened court, my sister is not really bolshy enough!
There was no choice about the cheque - it was, to our surprise, posted by hand through mum's letterbox. My sister doesn't have any banking apps - she does everything on her laptop. She took the cheque to the PO. I don't have anything to do with mums banking, else I'd have simply taken a picture, and paid it in on my mobile!
Sorry, I should have explained a bit more. 
THANK YOU FOR ALL YOUR HELP AND TAKING THE TROUBLE TO REPLY