Mum received cheque for carers' allowance -- can I lodge it?

roro1990

Hi,

After months of waiting, my mum finally received a cheque for €1700 for carers' allowance for the department of social protection.

As is her luck, she doesn't have a bank account(she's never had enough savings to justify having one and she hasn't worked in years). The post office won't cash cheques larger than €1600, so she's left with quite the annoying predicament.

My question is, if she signs her social welfare cheque on the back, can I take the cheque into AIB and lodge it into my account? This is the only way of getting her money that I can come up with right now. Is it possible?

Speedwell

roro1990 wrote: »

Hi,

After months of waiting, my mum finally received a cheque for €1700 for carers' allowance for the department of social protection.

As is her luck, she doesn't have a bank account(she's never had enough savings to justify having one and she hasn't worked in years). The post office won't cash cheques larger than €1600, so she's left with quite the annoying predicament.

My question is, if she signs her social welfare cheque on the back, can I take the cheque into AIB and lodge it into my account? This is the only way of getting her money that I can come up with right now. Is it possible?

Now that she is getting an income, it might be better for her to get the bank account she's been missing for so long. If she has to wait to get the money from the cheque, perhaps you could lend her some of it and allow her to pay you back after the bank releases the funds.

roro1990

Speedwell wrote: »

Now that she is getting an income, it might be better for her to get the bank account she's been missing for so long. If she has to wait to get the money from the cheque, perhaps you could lend her some of it and allow her to pay you back after the bank releases the funds.

Thanks for your reply, but is it possible for me to lodge it into my account? Or would a social welfare cheque have to be paid into an account bearing her name?

mass_debater

roro1990 wrote: »

Thanks for your reply, but is it possible for me to lodge it into my account? Or would a social welfare cheque have to be paid into an account bearing her name?

Your bank most likely won't accept it. She'd be best open a account

njs030

No it's a personal cheque

mackeire

Get her to open an account in her name, lodge the cheque, wait for it to clear, take out all the money, close the account.

mackeire

mackeire wrote:

Get her to open an account in her name, lodge the cheque, wait for it to clear, take out all the money, close the account.

Or open a credit union account.

endofrainbow

If she's going to be receiving Carer's Allowance, wouldn't it make sense to open a bank account to have the payments made to ?

Speedwell

I've been feeling a little hinky about someone trying to do everything but the obvious thing they've been advised to do, so they can lodge someone else's cheque into their own account. Just saying.