URGENT! advice with cheques and LLoyds.

[munz]

just paid a cheque inot our a/c which she recons will take 4 working days to clear and has said 5pm on tues. - thing is thou I need the cash by sat, we're v low on food in the freezer no milk suger etc all basics but nothing we cna't do without tll the w/e.

is there any chance it will clear for sat so we can draw on it then? - I was thinking it would take 3 w/d today tomorrow and fri

any advice would be greatefully recieved

i would have thought 3 working days hun.

can anyone lendyou a tenner to get the little bits you need - you know i would, but hey, you also know my situation!

At least you got the cheque!

Can YOU write a cheque for the food you need on Saturday? They won't bank it until Monday at earliest?

It might well clear by then. But in the meantime - can you get them to agree an overdraft for say £100 until the cheque clears ?

If I were you I'd ring the bank and ask if you can draw money on the uncleared cheque. I'm sure they'll let you, I used to do it all the time when I lived with my ex

no chance of an O/d and we don't have a cheuqe card only the book but cna't spend on shopping etc - i'd use my card if I thought the money would def be in there so I didn't get charged iycwim.

i've managed to gert £15's worth to see uis thru, but the poor dogs are eating some food they're going to be stubborn about as it's cheap and they don't like it - but it's tough - bit of gravey and should be fine, it's just I didn't realise today didn't count as a day iycwim??

and I don't really want to go cap in hand to my mum and ask her for some money as she helped us out in the summer with the car - and has just said don't worry about paying it back so I already feel bad about that esp as she's mounting debts herself (not to bail me out thou I must add she's only helped us out once and that was a bit of a biggy - £200 for the car)

NAM - do you think they'd let me take the cash out over the counter/out of the ATM? we don't need all of the value just enought £50 would do tbh. the lady in the bank said sorry but we cna't help you - I did ask if we could pay for a fast clearing service but she said no

bump for anymore suggestions xx

They certainly used to let me do it munz. Do you have an account manager allocated to you? I used to ring mine and ask if it was OK, he'd say yes then I'd just go into the bank (not via cash machine) and say Mr X has said I can draw on the uncleared cheque, they'd ring him and check then I'd write a cheque out for 'cash' and they'd give me the money

Munz, are you not sevice as well - can you not get an advance of pay through RAO?

not that I know of no the counter girl spoke the the manger - we have a real bad credit thou would this effect anything?

we are evie- but I don't think DH would like to as this unit are notorios for cocking up those AR payments it's payday on thrus thou so least that's something. bloody unit - u always owe them money even thou you've paid it 3 times over iycwim.

Apart from lend you the dosh which i would happily do, cant think of anything sorry.

JARM has my email if you wanted.

lol. no it's ok honeslty, thanks for the offer thou.

just spoken to the bank - sort of unhelpful sort of not.

they won't help us out at all. but she said it's due to clear on monday - as in monday AM.

now when I worked in my old co we had a lloyds bus a/c, but looyds would tell us that if payday was a friday the money wouldn't clear till the monday morning, however we could alwasy draw on it on saturday so is it possible it will work out? the cheque's coming from the RBOS.

least J has enough formula/nappies etc just mean's we'll be having some odd ifit's dinners! lol.