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Topic: A UK Banker  (Read 6920 times)

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Re: A UK Banker
« Reply #15 on: November 02, 2005, 06:56:17 PM »
Pebbles, I had the same problem before MD instituted direct deposit for child support.

Where in MD are you from?  Montgomery County here
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Re: A UK Banker
« Reply #16 on: November 02, 2005, 07:11:49 PM »
Talbot County!
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Re: A UK Banker
« Reply #17 on: November 02, 2005, 07:17:38 PM »
I just had to google for Talbot cos I hadn't a clue where it is lol  now I know... how far from Ocean City are you?
~*We are different, in essence, from other men. If you want to win something, run 100 meters. If you want to experience something, run a marathon*~


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Re: A UK Banker
« Reply #18 on: November 02, 2005, 07:24:53 PM »
We were about 80 miles from OC.  If you followed Rt 50 to OC, you would have passed through the town in which I was born.  It was the second largest city after you cross the bridge.
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Re: A UK Banker
« Reply #19 on: November 02, 2005, 07:30:19 PM »
ok cheers :)   whereabouts in UK do you live now?
~*We are different, in essence, from other men. If you want to win something, run 100 meters. If you want to experience something, run a marathon*~


Re: A UK Banker
« Reply #20 on: November 02, 2005, 07:38:55 PM »
I just wish I could find a bank here in the UK that would take my US gov't cheque each month without taking damn near a month to clear! What I do now is take the cheque which I received from the USA by mail, fill out a deposit slip and post it off to my bank in the USA. Then I have to draw it out as cash from an ATM and deposit it into our UK account. Such a hassle and I have been doing this for five years already. I keep hoping the dept which I get the cheque from in the USA will one day start a direct deposit!

 Not being nosy but which U.S agency does'nt do direct deposit ???.....sort that out, have the check deposited to the U.S account, write a check from that bank to yourself and endorse it, deposit it into your British account and your U.S money will be transferred in Sterling and deposited to your British account within 24-72 hours......I'm just surprised that there's still U.S government agencies that don't do direct deposit.....GAO and Veterans do.


Addendum.....that procedure applies to any monies in U.S checking accounts (government direct deposits or ?), as long as you have a British checking account. Beats the hell out of waiting  for checks to travel snail mail and clear or physically handling large sums of money......(there's generally a fee.....Lloyds TSB charges 8 quid per transaction, others may charge more or less)
« Last Edit: November 02, 2005, 08:04:19 PM by CeltictotheCore »


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Re: A UK Banker
« Reply #21 on: November 02, 2005, 07:44:12 PM »
ok cheers :) whereabouts in UK do you live now?
Hertfordshire
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Re: A UK Banker
« Reply #22 on: November 02, 2005, 09:28:57 PM »
No... it's not quite this easy!
Show your passport, yes... they wont be interested in your US driving license. But the main thing is that you have got to show proof of your UK address.

Sounds as though our ID&V rules are different to yours. I can confirm that for recent arrivals a passport and a photo driving license are fine for us. As it is almost a "Catch 22" situation to confirm the UK address, no address until you have an account and no address until you have an account.


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Re: A UK Banker
« Reply #23 on: November 02, 2005, 09:36:55 PM »
I just wish I could find a bank here in the UK that would take my US gov't cheque each month without taking damn near a month to clear! What I do now is take the cheque which I received from the USA by mail, fill out a deposit slip and post it off to my bank in the USA. Then I have to draw it out as cash from an ATM and deposit it into our UK account. Such a hassle and I have been doing this for five years already. I keep hoping the dept which I get the cheque from in the USA will one day start a direct deposit!

As Cait mentions its a question of track record, for new accounts the risk of fraud is much higher so we will usually "collect" an overseas cheque i.e. we'll wait until we are pretty sure it will not be returned for lack of funds.

Once you are established/trusted we'll take a chance and normally credit the funds within a couple of days and wait for the paperwork to catch up (negotiation). There is a rider with that; we'll usually limit our exposure. What you may want to do is to establish a negotiation limit with your bank, if they offer that service, which will mean taking up references with your US bank.


Re: A UK Banker
« Reply #24 on: November 02, 2005, 09:53:30 PM »
Not being nosy but which U.S agency does'nt do direct deposit ???
A small county in Iowa. I call them every year and ask if they have direct deposit yet and they always say the same thing..."We doubt we will ever have DD because we are a small county and dont have the funds"   ???

I have been with Lloyds TSB for five years and my husband for 20 years. We tried depositing one of my cheques into our account it it took nearly 8 weeks for it to clear!


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Re: A UK Banker
« Reply #25 on: November 02, 2005, 10:33:12 PM »

I have been with Lloyds TSB for five years and my husband for 20 years. We tried depositing one of my cheques into our account it it took nearly 8 weeks for it to clear!

It really sounds like a collection I would ask what you need to do  to qualify for Neg, as it's a Govt cheque I'd  be surprised if they would have any issues with Neg, they just have your preference as "collection".

When in doubt challenge :)


Re: A UK Banker
« Reply #26 on: November 03, 2005, 05:24:08 AM »
Sounds as though our ID&V rules are different to yours. I can confirm that for recent arrivals a passport and a photo driving license are fine for us. As it is almost a "Catch 22" situation to confirm the UK address, no address until you have an account and no address until you have an account.

Your bank doesnt require proof of address??!!  :o

You'll be getting a lot of PMs from people on this site, begging to know which bank this is!  ;)

Cheers, grumpylad!


Re: A UK Banker
« Reply #27 on: November 03, 2005, 07:44:34 AM »
It really sounds like a collection I would ask what you need to do  to qualify for Neg, as it's a Govt cheque I'd  be surprised if they would have any issues with Neg, they just have your preference as "collection".

When in doubt challenge :)
Sorry, "Neg"? Please explain.  :)


Re: A UK Banker
« Reply #28 on: November 03, 2005, 09:57:31 AM »
A small county in Iowa. I call them every year and ask if they have direct deposit yet and they always say the same thing..."We doubt we will ever have DD because we are a small county and dont have the funds"   ???

I have been with Lloyds TSB for five years and my husband for 20 years. We tried depositing one of my cheques into our account it it took nearly 8 weeks for it to clear!

Oh sorry, I misunderstood, I thought you were on about a Federal Government check.....Federal checks are as good as cash and normally don't require the obligitory clearing period required by other  types (personal, state, etc)...just a thought here......can't you contact your bank in the U.S, speak to a branch manager and explain the situation....maybe the check can be sent directly to them and deposited in your account via something you can set up with them with a standing "on file" wire transfer....waiting 8 weeks for a check to clear equates to major dental surgery.....painful.


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Re: A UK Banker
« Reply #29 on: November 03, 2005, 07:46:59 PM »
Sorry, "Neg"? Please explain. :)

Sorry just me being lazy, it's short for "negotiation" the process I mentioned above


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