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Cheques no longer in use

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    from monday you can no longer use a cheque book to make transaction and can't be used to purchase rail tickets

    what do you think, is it fair that no body uses cheque books naylonger or is it better
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    I don't think I have seen anyone pay for anything like train tickets with cheques
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    I myself prefer creditcard, so wouldnt miss them.

    Edit : Why am I being negged for not missing them and using a credit card
  4. Online

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    (Original post by 01jtiong)
    from monday you can no longer use a cheque book to make transaction and can't be used to purchase rail tickets

    what do you think, is it fair that no body uses cheque books naylonger or is it better
    This is not correct. What is being withdrawn is the cheque guarantee system. Someone who accepts a cheque will do so at their own risk and not that of the bank that issued the cheque.
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    (Original post by 01jtiong)
    from monday you can no longer use a cheque book to make transaction and can't be used to purchase rail tickets

    what do you think, is it fair that no body uses cheque books naylonger or is it better
    What?

    So checkbooks are mute?

    Either it's true or you need to reword your post there, because the way you phrased it says that they can't be used for transactions AND buying train tickets.

    EDIT: Just saw post above mine
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    No one uses cheques anymore..makes perfect sense
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    Cheques will still be used. How would people make transactions? They're not going to link up their bank accounts to each other and do it online, and I hardly think people will withdraw cash in huge amounts. Your title needs changing.
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    I still use cheques when paying for bills via the post. How else do I pay?
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    (Original post by Subcutaneous)
    No one uses cheques anymore..makes perfect sense
    There were 1.1 billion cheques used last year in the UK and they weren't all sent by Grannies in birthday cards.
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    They're not withdrawing the use of cheques (although there is a timeline set out for it - I believe it ends in around 2018).

    Cheque guarantee systems are being phased out, which is typically using your credit/debit card information to make a cheque payment which your bank won't then stop.

    I personally use cheques a lot for society payments. It's much easier to collect a cheque from 30 DofE participants and hand them back if the expedition can't go ahead; than it is to take hundreds or thousands of pounds in cash, walk to the Treasury and hand it in, then fill out 30 forms to have it refunded, and people have to make their own way to the Treasury to collect it.

    I also pay my rent with cheques, as the estate agents don't accept card payments, I'd rather not carry over a thousand pounds in cash, and their Direct Debit payment dates don't coincide with Student Finance payments because they're not a student-aimed agent.

    Cheques do have their uses, but I'd say it's largely down to some organisations not taking cards and small organisations running accounts.
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    There should be some allowance in rural areas for places without banks and perhaps for small businesses where payment machines would be very expensive.
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    (Original post by Subcutaneous)
    No one uses cheques anymore..makes perfect sense
    I wrote a cheque today, and put 3 into my bank account yesterday. I don't why they need to be replaced.
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    (Original post by DarkWhite)
    They're not withdrawing the use of cheques (although there is a timeline set out for it - I believe it ends in around 2018).
    This is currently on hold until banks come up with an alternative.

    When continentals say they never use cheques, what is overlooked is that they use giro payments. A real giro isn't something paid to someone on the dole. It is the reverse of a cheque but fulfils the same function.
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    (Original post by nulli tertius)
    There were 1.1 billion cheques used last year in the UK and they weren't all sent by Grannies in birthday cards.
    There are still easier, alternative ways of payment and they've been withdrawn in many large stores such as M&S..
  15. Online

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    (Original post by Subcutaneous)
    There are still easier, alternative ways of payment and they've been withdrawn in many large stores such as M&S..
    You are visiting an antiques fair and take a fancy to a Victorian whatnot. How do you pay?

    You wish to pay this year's subscription (which was different to last year's subscription) to the Society for Pedantry whose secretary is man in Dunoon. How do you pay?

    You wish to send 10 pounds to your 10 year old Godson in Penzance for Christmas. How do you pay?

    How do you pay the jobbing plumbing who fixes the leak in your bathroom?

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