Cheque in joint name but don't have a joint account

athensgeorgia

Yesterday we received a cheque from our old mortgage providers for £90 saying it was a refunded exit admin fees, we hadn't asked for it it just came. But my problem is we don't have a joint acc normally dh and i just ask for seperate cheques or dh authorises it to go to me, when we first got married we took our marriage certifate and some id for dh to be added onto my acc (Halifax cardcash btw) the csa checked the forms and confirmed they were fine, then we were notified it was worng and just didn't get a chance to redo it, my question is should we just retry and add dh on? will we need to gather more id (dh's passport is invalid and he's been banned so no drivin license) or is he just known to the halifax now especially with us having our mortgage with them? also does he have to go through a credit check seeing as though this is just a basic acc- electron and cheque book? i don't really fancy ringing GE Money up its an 0870 number and a foreign call centre iyswim especially if they say we shouldn't have received the cheque, or worse comes to the worse should we use one of these cheque cashing services seeing as though its a one off (i know not very MSE), as a last thought could i pay the cheque into my main current acc a halifax ultimate reward or not cause its in joint names?

any advice much aprreciated

JohalaReewi

What does your bank say? In the good old days, it was possible to pay such a cheque into a single named account as long as you were one of the joint named, and the other joint named authorised the transaction (usually by signing the back of the cheque). Perhaps such a thing is still possible?

dunstonh

Perhaps such a thing is still possible?

The introduction of a/c payee only put an end to that.

Mikeyorks

You have to do one of two things? Either get the cheque amended into your name - or get the Bank account changed to joint names.

Whichever you consider to be easier.

Dixie99

You will not be able to pay a joint named cheque into a single named account. To add your partner to your account will involve providing ID - go into your local branch and they will give you a leaflet showing all the ID possibilities ie. Inland Revenue document, gas bill, benefits entitlement letter etc etc. If it's a cardcash, I believe a credit check will be run on your partner. If a credit check is a no-go, you'll have to open a joint Easycash account (these are not credit checked), pay the cheque in, wait for it to clear, then take the money out. I hope this helps. Good luck.

heppy23

It might be easiest to open a simple joing savings account.

My Mum and Dad have got an old tesco clubcard in their joint names. They nearly closed it but it came in handy when they got a cheque for the proceeds of profits on their house sale. They keep it ticking over "in case"

athensgeorgia

Just to let you all know that we went in the Halifax on saturday and they told us if my husband signs the back along with something like 'I allow my wife to have these funds and will not have access to them' then they could pay it into my single acc even though it did say ac payee only. All that panicing and it worked out fine i did ask the same questions there as i did here and she said having a mortgage with them means he didn't need to bring id, it could have been anyone i had with me for al they knew.

but many thanks everyone much appreciated

derrick

If you do want to ring GE money and their NGN is 0870 1212430, then use the geo number 0113 2807080

jonesMUFCforever

athensgeorgia wrote: »

Just to let you all know that we went in the Halifax on saturday and they told us if my husband signs the back along with something like 'I allow my wife to have these funds and will not have access to them' then they could pay it into my single acc even though it did say ac payee only. All that panicing and it worked out fine i did ask the same questions there as i did here and she said having a mortgage with them means he didn't need to bring id, it could have been anyone i had with me for al they knew.

but many thanks everyone much appreciated

Exactly - all you need now is for your wife/partner to go in and complain that she's been done out of her half of the money just to see the panic on their faces?
Whatever the Halifax's good intentions they were guilty of conversion - go for it!

dunstonh

It does seem strange that Halifax are willing to break the rules and run the risk of facing financial liability.

The whole point of a/c payee only was to stop conversion to reduce fraud. Something that was very successful.