cheque refused - missing inital

Have the rules for the acceptance of cheques changed recently? My wife has a set of premium bonds in the name "B Jones". Her account at the Nationwide is in the name "A B Jones" and this has caused some problems recently. the Nationwide refuses to accept the premium bind cheques any more.

She tried another building society and got the same response.

Have the rules been tightened up recently? THis never used to cause a problem.

Is it only if the first initial is missing that a cheque is now refused or do ALL the initials have to match?

What made the whole thing more annoyoying is that the NWBS returned the cheque saying "wrong name" and we thought it had something to do with her using her madien name (which she does) and paying the cheque into a joint account, or to do with her being Mrs. on the cheque and Dr. on the account. We tried sending it to an account that was only in her name and it can back with a facetious hand written note attached to it which did, at least, explain that it was the missing first initial that was the problem, not the name after all.

thanks

Robert Laws

Reply to
Robert
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I wish that Nationwide would concentrate more on not losing laptops than this sort of anal behaviour. The inland revenue insist in communication with me as Mr K A (surname) which isn't bad considering my initials aren't K A. I guess that i will never be able to cash a tax rebate ever again.

Kevin

Reply to
Kev

You can see why they're doing it though.

When I changed name I still got cheques for a while in my old name and the bank ummed quite a lot until I pointed out Id had the account in both name.

Change the premium bond name and never have the problem again.

Reply to
mogga

I've only been into my local Nationwide branch four times in my life, and each time I've come out wanting to kill someone behind the counter. Once, they took my driving licence from me presented as one form of identification, damaged the counterpart getting it out of the wallet, and then refused to accept it as a form of identification because it was damaged.

If you pay a Nationwide CC bill in cash, it takes five days to clear (no, really) because the cash payment has to be turned into a cheque from the branch to Nationwide Credit Card Services.

Reply to
Sam Nelson

You seem to be saying it should be OK for a cheque for A Jones to paid into an account in the name of B Jones, I'm sure you'd complain if a fraud was carried out on that basis. Why cant your wife decide what her name is and use that for her accounts?

Reply to
Tumbleweed

I agree with that argument, its daft not to have the same name as on the electoral roll, passport, credit database or whatever. That's asking for worse trouble. But the OP was mostly asking out loud if the acceptance rules have changed. Clearly they must have so have we been told by our banks? I sort of remember a Nationwide leaflet about cheques months ago. Maybe that was it.

Alternatively just more bank arrogance that they can't explain properly.

Jim A

Reply to
Jim Alexander

Bank `security' doesn't deal with real life. There's an account opened in my son's name, when he was 3, which we wanted to get some money out of just last week, for the first time ever. Bank asked how old he is. 14. If he's

14, he has to sign for it himself now. Son signs slip. Oh, says Bank, no signature in book. Clips `invisible signature' slip to book, passes book back, has son sign book, takes book back... ...Solemnly compares signature on book with signature on slip from 30 seconds previously... ...And they match, so that's OK, he can have the money!
Reply to
Sam Nelson

You rarely get to choose. I haven't used my _first_ name `in real life' for over a quarter of a century now, but I give it when asked for my `full name' on a form. There's typically nowhere to specify what I actually want the name on the account to be. If the name on the account is `P S Nelson' (because they initialised my full name automagically) and I receive a cheque made out to `S Nelson' I'm in exactly the same state. Phoning up $BANK and asking them to fix that typically results in a fart-in-a-trance type conversation. Banks don't do real life.

Reply to
Sam Nelson

THat wasn't what was asked. The question was about whether it's OK to pay a cheque to B Jones into an account in the name A B Jones. I don't see anything wrong with that at all.

Or, alternatively, that's completely impracticable for many people, and unrealistic.

It's yet another attempt to make the world model the database, rather than the other way round: corner-cutting as a result of cheap&nasty thoughtless IT development, masquerading as `essential security'.

Reply to
Sam Nelson

Tumbleweed writes

The national (Spit) Westminster bank once mistook my initial (G) for my mother's initial (C). I handed cash in for my account and they credited it to her, then they debited my account with her cheque for a coal bill! That put me in the red for the first and only time in over 50 year's banking.

I moved to Nationwide. :)

As for the branch, I make it my business to go in there occasionally, and see a few faces from when I joined 20+ years ago.

Reply to
Gordon H

Well, there's your problem then.

Its whatever you fill the form in as. If you want Sam Smith, dont fill the form in as Roger Smith.

Yes ,and its your problem for setting the wrong name on the account

Reply to
Tumbleweed

Why stop there? Why not pay A Jones into B Johns..where would you stop?

Why?

Reply to
Tumbleweed

Jim Alexander writes

I remember a communication from them about cheques, and it confused my lady friend. It was something to do with the way the amount was written, at the pence level, I think. Like "you should write the pence in longhand as well as the pounds". I still write the pence in digits and they accept.

Reply to
Gordon H

Sam Nelson writes

Depends how many B Jones and A B Jones the bank have as customers I suppose? :-)

Reply to
Gordon H

At 10:57:56 on 20/02/2007, Robert delighted uk.finance by announcing:

I believe it'll be bank procedure. I've never had that problem with cahoot or A+L.

Reply to
Alex

At 11:42:52 on 20/02/2007, Kev delighted uk.finance by announcing:

I keep getting mailers from First Direct to Mr L Alex. I actually quite like them because the letter starts "Dear Mr Alex".

:-)

Reply to
Alex

At 13:51:02 on 20/02/2007, Sam Nelson delighted uk.finance by announcing:

Since birth, for me.

Quite.

Reply to
Alex

She is now changing her name at the NSI (premium bonds) to A B Jones but what puzzled us was that they had accepted cheques to B Jones for years and then suddenly stopped.

Another possibility is that the earlier cheques were all for smaller amounts (winnings) but the rejected cheque was for 30,000 (cashing in all her bonds).

In fact her name is not really Jones (I used that for illustration only) but Dumitru so it's not even as if it's a common name!

Robert

Reply to
Robert

Well that's interesting, the cheque was probably a Warrant. Not sure what the difference is other than there is a difference. Last time I cashed in I had to provide sort code and account number which appeared on the Warrant. I notice the repayment form I have been sent today allows me to specify who the warrant is payable to, or to have repayment by direct credit to a sort code/account number. Problem solved any which way I think.

Jim A

Reply to
Jim Alexander

Am I supposed to lie?

So, you're advocating lying, then.

Reply to
Sam Nelson

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