paying in a check at the Post Office (no bank account)

GrumpyDil

GringoGoesToVagas said:

Baldytyke88 said:

Just post it to your bank, I used to do it that way with the Giro Bank back in the 90s, now I do it with Nationwide, or I take it to my building society.

So if you have a bank account are you saying you can cash it with out paying it into the bank account its self? is this what you mean or did back in 90s with Giro bank or any building socity?

No. @baldytyke89 is saying that he used to put the cheques in an envelope with a paying in slip and when the bank/building society receive them they pay the cheque into the bank account. Girobank was part of the post office and did not have any branches so that was the only way you could pay cheques into them. 

Nasqueron

GringoGoesToVagas said:

Keep_pedalling said:

GringoGoesToVagas said:

QrizB said:

You do have a bank account, don't you?

not for long!

So you were fibbing with the title, you still have a bank account that you can pay the cheque in to!

When you do go off the financial grid, I think you should start a thread about your experience and all the problems you come up against. 

Do you think the mods could make it a sticky thread
I very much doubt it though since the enterties that run this site will not want others to get smart ideas on how to get the keys to there shackles 

This is the MSE forum, about saving money, not wasting it paying fees on bank accounts and cheque cashing because of your personal desire to avoid the financial institution. Nobody else sees having a bank account as shackles

huw01

You are wanting the post office to offer you the facility for converting a cheque into cash without having a bank account to deposit it in. You keep saying you want to avoid the banking system and debank yourself but then you're asking for the post office to offer you the service of a bank to facilitate getting cash.

You have 2 options, ask the person or company that operate the account for the cheque you are receiving to pay you in cash which I doubt they will agree to or accept that living without a bank account isn't a realistic possibility and that you are wasting your time asking the same questions in different posts. Life is too short to faff around making it more difficult than it needs to be. 

Our grandparents generation benefitted hugely from having banking facilities and not having to worry about the security of keeping cash safe and loosing it.

Rob5342

This is like throwing your tin opener away and asking for advice on the best way to open tins without cutting yourself. 

wmb194

Rob5342 said:

This is like throwing your tin opener away and asking for advice on the best way to open tins without cutting yourself. 

Hah hah, I suspect though that this is an attempt to receive and spend money anonymously without having HMRC and/or the benefits people noticing.

gary1312

GringoGoesToVagas said:

I very much doubt it though since the enterties that run this site will not want others to get smart ideas on how to get the keys to there shackles 

Smart ideas? You're struggling at every step. If being unshackled means messing about with Asda giftcards and cheque cashing companies while having a perfectly usable current account (as you stated in a previous thread, you have an account with Co-op Bank) then I'd rather be shackled, whatever you mean by that.

GringoGoesToVagas said:

Just looked at there site, bit of a rip off merchants really

8.9% Cheque 

Item Fee: £2.99

Yes, they are. But thanks to the Payments Act 2015, people don't have to use these companies anymore. They have a choice of nine different financial institutions who will offer a very good current account, accessible through multiple channels, totally free to use - one that would cost a hefty monthly fee in a lot of countries that don't have the government regulation you seem to despise so much.

Don't get me wrong - I'm with you in some ways. I don't like banks either, which is why I conduct the majority of my financial affairs through mutual organisations, membership of which make me a part-owner. Current accounts with Nationwide BS and Co-op Bank, savings with other building societies and my local credit union. There are options for those of us who don't like banks. But your determination to avoid dealings with any financial organisations at all will lead to nowt. I myself would also much rather receive my pay, currently mandated monthly to my building society account, in a weekly cash pay packet but this is 2025 and no longer how the world works - I've had to provide bank account details to every employer I've had in the past twenty years. I wish you the best of luck in leading life without a payments account but with no confidence in your success.

GringoGoesToVagas

huw01 said:

You are wanting the post office to offer you the facility for converting a cheque into cash without having a bank account to deposit it in. You keep saying you want to avoid the banking system and debank yourself but then you're asking for the post office to offer you the service of a bank to facilitate getting cash.

You have 2 options, ask the person or company that operate the account for the cheque you are receiving to pay you in cash which I doubt they will agree to or accept that living without a bank account isn't a realistic possibility and that you are wasting your time asking the same questions in different posts. Life is too short to faff around making it more difficult than it needs to be. 

Our grandparents generation benefitted hugely from having banking facilities and not having to worry about the security of keeping cash safe and loosing it.

Errr according to this artical written by the enterties that run this site. over1 million people UK dont have a bank account. thats about the same number of the awake community

https://www.moneysavingexpert.com/banking/basic-bank-accounts/?from=forum-guidesbar-budgeting-bank-accounts

GringoGoesToVagas

Rob5342 said:

This is like throwing your tin opener away and asking for advice on the best way to open tins without cutting yourself. 

Well its better then thowing your sovereignty away!

GringoGoesToVagas

wmb194 said:

Rob5342 said:

This is like throwing your tin opener away and asking for advice on the best way to open tins without cutting yourself. 

Hah hah, I suspect though that this is an attempt to receive and spend money anonymously without having HMRC and/or the benefits people noticing.

No; it is neither. see my above post for the answer

GringoGoesToVagas

gary1312 said:

GringoGoesToVagas said:

I very much doubt it though since the enterties that run this site will not want others to get smart ideas on how to get the keys to there shackles 

Smart ideas? You're struggling at every step. If being unshackled means messing about with Asda giftcards and cheque cashing companies while having a perfectly usable current account (as you stated in a previous thread, you have an account with Co-op Bank) then I'd rather be shackled, whatever you mean by that.

Bu the are not "perfectly usable" are they in a post digital tattoo world