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The name on a cheque

I don't know if this is on topic, apologies if not. I recently got a cheque (ELPS call it a 'warrant') from the Equitable Life Payment Scheme (lucky me!) and sent it off to my bank. But the bank returned it saying it is crossed 'A/C PAYEE' which prevents it being payed into any account other than the one named. I'm assuming that it's because the cheque does not show my first initial, which I very rarely use.

I know I'll have to 'phone them, but am already expecting to be bounced around a bit, since ELPS already say in the accompanying paperwork that they can't discuss individual cases on the 'phone. I'm also a little worried because the cheque says it's only valid for three months.

I was wondering if anyone had had anything similar happen to them, and what the outcome might be?

Reply to
Etaoin Shrdlu
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So bring in your passport or whatever other credentials you hold in your full name to show your bank that you are indeed the named payee.

Reply to
Anthony R. Gold

Should have written "whatever other credentials you hold in the form of name used on the cheque". If you do indeed rarely use that first initial then you would hold credible credentials in the same form of name as on the cheque.

Reply to
Anthony R. Gold

Okay, thanks - I'll try it. I forgot to mention that I'd posted the check to them. Perhaps I'll have more luck taking it in person, with some credentials.

Reply to
Etaoin Shrdlu

Indeed, and bring along with you the warrant counterfoil or transmittal letter that shows the mailing address of the cheque was your home, just in case the branch staff have any qualms.

Reply to
Anthony R. Gold

Try paying it in at another branch of your bank. Different individuals working at different branches may interpret the rules with varying degrees of strictness.

Chris

Reply to
Chris Blunt

Agreed!

I had a dividend cheque from Santander made out to my name with both my initials and Surname but also with the title "Miss" at the front.

I went into a Nationwide branch to pay it in to my current account and the counter staff said I could not pay it in as it was in a different name. The difference? When I got married I kept my maiden name but the joint account with my husband shows my title as "Mrs".

I told her that I'd had the Santander (Alliance & Leicester) shares since before I got married and that anyway, I had no control over the random titles that other people choose to apply to my name.

She eventually decided to let me pay it in (it was for less than £10 and I get 2 a year and have never been questioned previously) saying "you will probably get it returned to you by head office!" but it never was.

Reply to
Yellow

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