Prudential insurance

[Hammerhead]

For some reason prudential have sent me a cheque for £150 and I have no way of cashing it,credit west does not deal with overseas banks so I am stuck with this cheque,could anyone advise please

[benjaminbutton]

The UK tax man sent me a refund last year for roughly the same amount. As I had 6 months to find home for the cheque, I just sent it back to family in UK and they paid it into their account and then did money transfer into my UK bank. Their could well be a quicker way than this, but the system worked OK for me.

[a1sysman]

Assume you have received the cheque here in NC.

Easy if you are a NatWest customer, https://www.natwest.com/banking-with-na ... html#howto

[Hammerhead]

Yes I received it here and my bank does not deal with overseas cheques

[a1sysman]

Yes I received it here and my bank does not deal with overseas cheques

Are you trying to pay into a NC bank a UK issued sterling cheque?

If so, and and you say your bank here will not accept the cheque, you may have to pay into a UK bank account, assuming you have one, using a facility such as l linked to in my previous post.

It is likely other UK banks provide similar cheque deposit tools given there are so few branches these days.

[Hammerhead]

I have a uk bank account but the problem is getting it to the uk,and my daughters address

[Hammerhead]

My pension goes normally straight into my bank account so I am wondering why they sent this cheque

[Hammerhead]

A1tsysman your link is for nat west I don't have a nat west account

[come_on_aylin]

My pension goes normally straight into my bank account so I am wondering why they sent this cheque

Could you call the prudential, explain the problem, ask them to cancel cheque and pay the money direct to your account?

[Kanonier]

I have a uk bank account but the problem is getting it to the uk,and my daughters address

If you have a UK bank account, together with Online Banking, then you should be able to photograph the cheque and deposit it into your account. Alternatively, contact Prudential, ask them to cancel the cheque, give them your UK bank details and have them deposit your refund into your account.

[Kanonier]

My pension goes normally straight into my bank account so I am wondering why they sent this cheque

Could you call the prudential, explain the problem, ask them to cancel cheque and pay the money direct to your account?

Sorry, I didn't see your reply! Great minds, eh?

[a1sysman]

A1tsysman your link is for nat west I don't have a nat west account

If you don’t mind my asking, which UK bank do you use?

[Hammerhead]

How would giving you what bank I'm with help

[a1sysman]

How would giving you what bank I'm with help

Well, your original post mentioned Credit West being your choice of bank here in NC and they not being able to help you cash or deposit a UK originated Sterling value cheque.

Out of idle curiosity l checked the main UK banks, all of which provide a facility to deposit a cheque without having to enter a branch, without even being in the UK for that matter, and there lies the answer to the problem cited in your original post.

Providing the name of your choice of bank in the UK would help in identifying if your UK bank have arrangements in place for clients to deposit a cheque using technology.

Only trying to help.

[Hammerhead]

Thanks for that I'm careful now

[a1sysman]

Thanks for that I'm careful now

Using your bank’s app, you could pay in your cheque simply by taking a photo of the cheque when requested by the app to do so.

Alternatively send a photo of the cheque to your daughter in the UK. Ask your daughter to visit a branch of your bank armed either with the photo or a print out of the photo.

Careful as you say you are, l am presuming you would provide your daughter with your account number and sort code. That should be sufficient to pay in your cheque.

Job done.