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Re: bank cheque problem

Not too sure what you mean. What cheque was deposite into your HSBC joint account-

- a Lloyds TSB personal cheque (written by you)

- a foreign cheque/banker's draft

I received some money from abroad in my personal >lloyds tsb bank. > I therefore wrote a cheque for an amount (5000 >pounds) for my GF to put in > the savings account.

I believe most banks scan in cheques at their clearing centre. I believe (don't quote me on this!) HSBC outsourced their cheque clearing to UNISYS, but I may well be wrong.

I could understand why they have to check the cheque manually when something dodgy has obviously happened. When you deposit a cheque using your paying-in book/bank giro credit, most clerks would just stamp the receipt anyway (without checking). Many things could be wrong in a cheque (50.00 and 5000, for instance look pretty similar!). If you think you are losing out, why not complain to the Branch Manager and/or the HQ Customers Relations department, they probably ought to give you some "goodwill gesture" money for the inconveience/wasted time.

Reply to
help
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It was a personal cheque signed by my for my girlfriend.

5 days seems ridiculous to me. The cheque was written for 5000, my gf checked it too before she went to the bank. I thought a cheque amount was put in manually by the clerk but maybe i am wrong.
Reply to
The Messiah

That may have been the case in the past, but most processes in banks are now at least semi-automated.

Reply to
Andy The Banker

They have been semi-automated for a long time. What this means is that the machine reads the sort code, account number, and cheque number off the cheque, but the amount is keyed in by the cashier. Otherwise it wouldn't be semi-automated but fully automated.

Reply to
Ronald Raygun

Interesting, they told me it was the scanner's fault. Maybe as predictable they are trying to blame the system rather than the individual. Maybe the banking code has some clause that excludes computer mistakes from their liability ;)

Reply to
The Messiah

Do you want me to credit you with the 15 pounds diff?

Reply to
The Messiah

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