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to think you can't JUST take cheques?!

(144 Posts)
hairtoday1 Wed 29-Jul-15 21:03:34

I'm viewing a to buy a property tomorrow. If I like it I need to move fast. I've just been informed that 'To reserve a property you will need to provide a cheque for £100.00 payable to Metropolitan. We do not take any other payment methods on the day so without this you cannot reserve.'

Erm, really? I haven't had a cheque book in YEARS!

Is it me or is this bonkers? I could miss out on a home because of this confused

halcyondays Wed 29-Jul-15 21:08:18

Can someone else write a cheque for you and you give them the cash?

DirtyMugPolice Wed 29-Jul-15 21:08:41

It is bonkers. I have had my bank account 5 years and I wasn't issued a cheque book when I opened it. Can you ring your bank though and see if they can issue one from your account in these circumstances? I have no idea if that's a possibility but worth asking?

Ilovecrapcrafts Wed 29-Jul-15 21:10:11

Metropolitan housing trust? I think they'll take a bank transfer if you ask

But yes totally outdated!

Topseyt Wed 29-Jul-15 21:11:27

It is unusual these days. Cheques are fading out as a means of doing business. I go years without ever writing one these days and always have to search for my cheque book if needed. I have written one in the last 6 months, and before that none for a couple of years.

If that is a large house-building firm I would have thought they might take a credit or debit card, or online payment. Have you asked them directly?

ILiveOnABuildsite Wed 29-Jul-15 21:11:41

Would they accept a postal order? You'd have to pay a small processing fee but in many cases they work just like a cheque.

wooldonor Wed 29-Jul-15 21:13:17

Could your bank write out the cheque for you, do bankers cheques still exist?

hairtoday1 Wed 29-Jul-15 21:13:23

Yes it's Metropolitan!

They have one one bedroom flat left and it's come back on because a sale fell through.

Just seems mad to me.

I'll have to think how I can get a cheque... I'm squeezing the viewing in on my break tomorrow.

VelmaD Wed 29-Jul-15 21:15:05

i get laughed at every time i request a new cheque book. but the school, and scouts, only like cash or cheques and i dislike large sums as cash which could go missing.

i write at least 1 a month still.

Usernamegone Wed 29-Jul-15 21:17:56

Could you go to the bank and get them to issue with a bankers draft (which is like a guaranteed cheque). I think Barclays charged me about £15 seven years ago. I did this as the letting agencies wouldn't give me the keys until a normal cheque cleared and I needed the keys that day!

RhinestoneCowgirl Wed 29-Jul-15 21:18:21

I'm in a WI and they insist we use cheques for everything, no bank transfers. It's maddening.

addictedtosugar Wed 29-Jul-15 21:26:55

Cash and proof of ID???
Can see why credit\debit card not attractive to them. You need to process a lot of payments to make it worth while.

Or internet banking instant transfer???

Ilovecrapcrafts Wed 29-Jul-15 21:28:18

You can get a cheque drawn up at the bank. I think they will take a bank transfer if you get them to call through to finance BUT it sounds as though you need to move quickly and this would just waste time.

They're just old fashioned with poor systems

FelixFelix Wed 29-Jul-15 21:28:28

I've never written a cheque. I cashed one for the first time ever a few weeks ago and had to ask the bloke in the bank how to do it. It was very embarrassing.

cardibach Wed 29-Jul-15 21:30:43

I use cheques quite regularly for paying small businesses that work in home (plumber, aga service etc). I'm surprised banks don't issue them - I get mine automatically and I'm not sure how I'd pay some service providers without one.

hairtoday1 Wed 29-Jul-15 21:31:10

Just phoned my bank. A cheque book takes up to 10 days (they're dinosaurs too).

They said I can pay £10 for them to write me a bankers draft made out to the housing trust

So I need to go do that in the morning too and then probably just lose the ten quid.

londonrach Wed 29-Jul-15 21:32:58

I use cheques every week and couldnt run my business without them. As for the housing trust can you ask for a bank transfer.

Janethegirl Wed 29-Jul-15 21:33:04

I've got 2 bank accounts and have cheque books for both. My dc ( both under 25) have cheque books, I do not get why an adult does not have a cheque book. So I don't understand the OP at all!

Maryz Wed 29-Jul-15 21:35:46

Will the bank give you the money back if you don't want to buy the house?

Sparklingbrook Wed 29-Jul-15 21:36:48

I have had a bank account since about 1985 and had a cheque book ever since, before the cheque book runs out they send me a new one, so i don't understand why you wouldn't have one, if you used to.

Since the DC left first school I probably write about 3 a year. Even the window cleaner is paid online.

Weird for a large organisation to take cheques though.

hairtoday1 Wed 29-Jul-15 21:38:39

Jane: I've got half a dozen bank accounts and don't have a cheque book for any. How is my op hard to understand?

I won't lose the £100, no , if I decide not to reserve which is good!

I appreciate the points made in argument for, but still seems silly to me smile

NoArmaniNoPunani Wed 29-Jul-15 21:40:39

I don't have a cheque book. I thought cheques were being phased out.

Ineedmorepatience Wed 29-Jul-15 21:46:26

I still get paid by blinkin cheque while you are talking about dinosaurs!! Ridiculous but there it is! I also pay scouts and music exams etc by cheque as that is how they ask for it!

Hope you manage to get something sorted OP.

EvansOvalPiesYumYum Wed 29-Jul-15 21:54:08

We are a small business, and lots of our customers (including some of the larger companies) choose to pay by cheque, even though we provide our online banking details.

Cheques are a pain but some people, and businesses, still seem to prefer them.

Mehitabel6 Wed 29-Jul-15 21:56:29

I don't use one very often, but I would find it difficult to manage without one altogether. There are some places where you need it.

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