to be annoyed by banks saying I don't need a cheque booik any more?

[camicaze]

What IS all this about cheques being abolished and surely its unreasonable? Is it just me that still gets through quite a few cheques? School dinners, nursery fees, Brownie subs, clubs, party deposits - the list is endless.
I am particularly annoyed at how slow my bank are to replace a used cheque book as if I need to be eduacated that debit cards exist...

I hate it when people ask me for a cheque...I find them hard to manage...YABU because there are better and faster ways of paying these days...online etc.

I loathe cheques!!!! Yes there has been the very odd occasion that I have needed them but I can't wait until they have gone. Especially when you sell something on ebay for a couple of quid and the buyer sends a sodding cheque!!

No you're not alone, my cheques are all paying for school trips, deposits, after school fees etc
I dont think it is reasonable to pay these by cash in some instances and there is not an online option availalbe either.

I like using cheques when I have to send a payment through the post.

Cheque book?

What´s that then?

Although I don't carry a chequebook around with me I still use it for:
paying for shool dinners, school trips, guitar lessons and other after school activities, Brownie activities, paying the milkman and sending birthday money through the post to nephews and nieces.

I don't carry wads of cash around on me and none of these organisations/people accept debit/credit cards.

I got a letter recently telling me that cheque guarantee cards were being withdrawn from sometime next year and that my new debit card would no longer have the cheque guarantee symbol on it - but so far they have still given me cheque books, though pretty much the only thing I use them for is to pay the gardener.

We still get a lot of cheques at the school office to pay for stuff like school trips and I know we have a lot of parents who would not want to use an online payment system, so I'm n ot sure what will happen there...

Hit enter too soon.

I used a cheque this morning to pay for a one off school dinner. It had to be paid today and I didn't have enough money in my purse.

I think cheques still have a very valuable part to pay in todays world - just not in big businesses.

I totally understand supermarkets not accepting cheques (and if you don't want to accept cheques on ebay, then you can set your preferences that way), but I regularly use cheques for sports subs, club membership, nursery fee top ups etc. It's not always easy or convenient to had over wads of cash, or set up an online transfer.

How are you meant to pay tradesmen? Eg a tiler or a painter, you could easily be paying them over £1000

4plus....I pay direct into bank accounts! Or cash...people like cash!

More and more of the people I would normally pay by cheque are sending me bank account details so that I can pay direct online. I prefer it. If/when chequebooks are phased out (and they are expensive to administer and easy to use fraudulently) then payees like the nurseries, brownies and school dinners you mention would have to do the same thing or they simply won't get paid.

My bank account doesn't have a cheque book.

I still use loads of cheques for school things and activities, and when the window cleaner turns up unexpectedly and just starts cleaning when I have no money in the house.

I was also quite annoyed at our bank who offered us a green account when my DH and I opened up a joint account for bills. They said we either had to have statements through the post and a cheque book, or neither of them. I'm happy not to get statements through the post, but we did want a cheque book. It's stupid, and not very green at all.

I find paying things through the post, I always use a cheque but that's all i use them for (i'm not sure how else would be as easy? maybe fill in one of those debit forms probably?)

Abolition of cheques is going to have a knock on to small groups and societies like brownies, small charities etc. They will have to have online bank accounts too that they can access to see who has paid what.

Personally I like cheques for these types of payment and sometimes I don't trust myself with online banking - wrong bank account details etc.

More and more tradesmen are giving me their online details.

Plus, somehow it is more lovely to have a cheque paid out to you in your grubby mits than trawling through statements trying to see if you have been paid!

I haven't had a cheque book for years.

It's a pain that school and so on haven't caught up with the rest of the world and started allowing direct payments (which are extraordinarily easy to do either online or over the phone, and super quick) or having PDQ machines but as fewer and fewer of us have cheque books, they'll have to get their arses into gear.

So... YABU.

I thought we were supposed to have until 2018 to get used to this and have other systems in place?? I still use loads of cheques at the moment - school, DDs clubs, veg box (who charge you more to pay by card), car mechanic, charity donations etc etc

claricebeans surely those organisations would have to have bank accounts anyway, in order to pay in cheques?

Cheques are vital here in the sticks. My hairdresser is mobile and can't take internet payments or credit cards. There are regular farmers' markets and craft fairs where people can only take cash or cheque. Some of the farm shops/attractions in more remote areas can't get signals for credit cards so cheques are often the only option for them, too.

That's without the usual school trips, lunches etc.

My bank account doesn't have a cheque book either.........didn't realise when I opened it. Cheques either need to make a come back or disappear completely IMO. It's a pain having to constantly go to the cashpoint to pay nursery fees/music classes/tradesmen etc etc and I would much prefer to make a BACS payment.

Farm shops have phone lines presumeably - they don't have to have mobiles. And there has to be a workaround for craft fairs and so on if there isn't a mobile signal.

You could pay your hairdresser either online or over the phone. She'd get the money faster and it would save her a trip to the bank.

YANBU.

My small business (a children's activity) is now going to have to start paying a monthly fee of around £30 to the banks to hire a chip and pin machine becasue cheques are being phased out.

I use cheques loads for ballet (sometimes the teacher forgets who gives her cash) for chool things and for mail order.

I am told (can't get a mobile signal at my venue) that the signal for chip and pin machines are different than for mobile phones and they will work even in the remotest of areas.

I think cheques are extremely useful - as a person, I send out cheques for work done/money owed etc, especially when it's large amounts, or i don't have the cash, or they don't accept cards (you have to pay to accept cards, and it's not just on a per transaction basis, it's also a montly rental, so no good for window cleaners/casual labourers/milkmen etc.)

even as a business I sned cheques.

I would love banks to provide BACS for personal accounts, which would solve all of this (although, having said that, it would mean that individuals would have to give out their bank details willy-nilly) - it would mean that you can transfer between banks as well as accounts. but it would have to be free, because people won't want to use it if we have to pay for it.

Jenai - our farm shop doesn't take card payments because they are only open 6 months of the year- they would have to pay 12 months of rental for their card processing equipment and it's not worth the £20 a month when you're not using it.