Cheque Cashing centres

[billypre]

Does anyone know exactly how Cheque cashing centres work ? What i really need to know is if the cheques are traceable to you.

If i had a cheque for an amount and didn't want anybody to know i had got it then could they find out ? By they i mean people like government agencies, creditors, DCA's etc in fact anyone

[Never-In-Doubt]

Re: Cheque Cashing centres

A cheque cashing service basically cash your cheques, and buy them off you. Thats it.

There is an audit trail, naturally however like all financial institutions they'd be limited to who they could discuss it with. Example; you get a £500 cheque that you want to hide from a partner, use a cheque place if you want - no comeback.

You get a cheque for £500 that you know is forged/dodgy - then expect comeback.

You're being too vague to be able to answer properly mate! You're best avoiding them, drop it into a secondary account if necessary - no fee in doing that lol.

Have you got rbs account yet? Lol

[billypre]

Re: Cheque Cashing centres

Still no RBS contact yet, going to phone them now though. Was going to go down street yesterday but weather thought otherwise !

[toddle2u]

Re: Cheque Cashing centres

As stated previoulsy if your trying to hide something from Govt probably best not to use these places but for a DCA/creditor I would not have thought it would have been a problem. It all depends on why you are doing it I suppose

[Never-In-Doubt]

Re: Cheque Cashing centres

Mate have you got that account with rbs opened yet lol?

[billypre]

Re: Cheque Cashing centres

No i've got the letter to be signed and sent off. Thought it would be quicker to nip into local branch with letter and fnalise application. Went in yesterday and stood at the customer service desk for around 15 minutes with no-one ever coming to help. Queue was huge so i had to just leave as the kids were starting to run around riot in the bank and i was losing my patience. Will have to wait til Monday now

[Never-In-Doubt]

Re: Cheque Cashing centres

Lol excuses excuses haha!

Just send it by post? Branch will only copy your id then send form off internally, its actually slower unless you applied in branch, which they can open there and then.

[billypre]

Re: Cheque Cashing centres

Yeh - will give it one last go in branch on Monday or just post as weather seems to be letting up now

[Never-In-Doubt]

Re: Cheque Cashing centres

anything?

(like waiting for Celtic to win the SPL lol)......

[billypre]

Re: Cheque Cashing centres

LOL, no it's not THAT desperate yet !!!

Sent by mail yesterday. Have only had 2 days mail in last10 days (1 of them actually Sundaylol)

[Never-In-Doubt]

Re: Cheque Cashing centres

Haha - I just applied to Ulster Bank for an account - could be interesting considering they reckon I owe them (RBS) £50k - obviously I don't, but the person that stole my ID maybe does! haha

Lets see what they say eh?

[billypre]

Re: Cheque Cashing centres

Still not heard anything here Maybe you will get the account with a 50k overdraft added on

[Never-In-Doubt]

Re: Cheque Cashing centres



I don't apply for overdrafts - eeek! They are a rip-off!

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[stevieb]

Re: Cheque Cashing centres

here is one .. what happens if you DONT sign the paperwork?
I have still not signed the original paperwork for my current account (its still at home in the drawer) yet have been using it for over a year now

[Never-In-Doubt]

Re: Cheque Cashing centres

It's a civil case mate. If u don't pay they will prove to the court you spent it.

You have no terms (cca) to "hide" behind....