Peope who pay by cheque

McCrack · 16-01-2014 06:45PM

Cheques are very useful if running a business but for personal use they are not.

They still have their use.

McCrack · 16-01-2014 06:48PM

blackwhite wrote: »

A cheque stub is evidence of nothing.

I can tear up the cheque and write whatever the hell I want on the stub.

True but a cashed cheque is evidence.

Galwayguy35 · 16-01-2014 06:57PM

If I'm paying the mechanic for work he does on the car I always pay by cheque, he works from home so no visa debit card option and it's handier than rooting around for the correct change.

Also pay any tradesman for work by cheque unless he is prepared to do it for less by taking the VAT off.

ytpe2r5bxkn0c1 · 16-01-2014 07:22PM

How else do you pay for large cost items when the seller does not take cards?. Coal delivery, builders etc.

I write a Max of 2 cheques each year but they are invaluable on those occasions.

jester77 · 16-01-2014 07:47PM

Blast from the past, didn't think these still existed. Haven't seen one in at least 15 years, you'd be looked at sideways if you tried using one here.

ytpe2r5bxkn0c1 · 16-01-2014 07:49PM

jester77 wrote: »

Blast from the past, didn't think these still existed. Haven't seen one in at least 15 years, you'd be looked at sideways if you tried using one here.

How do Germans pay building contractors, plumbers, etc?

Stavros Murphy · 16-01-2014 07:56PM

Brylee CoolS Manure wrote: »

How do Germans pay building contractors, plumbers, etc?

They use some of the cash we sent them.

Nooner tried sending a cheque but they just laughed and called him old fashioned. He was gutted, cos he'd planned to "forget" to sign it.

MonaPizza · 16-01-2014 07:57PM

Matt_Trakker wrote: »

What's the point in it anymore, why not just pay by card, debit or credit?

OK, I know some will say something akin to....the money mightn't be in the account yet, so paying by cheque means you've a few days grace. But that's just stupid, why not then just pay for it when you have the money in your account.

Also, with things like Skrill/Paypal/bank transfers wtf do dinosaurs still insist on paying by cheque.

Do other countries still use cheques?

If you ever lose your wallet or your card gets blocked it can take days or weeks to get a new one and/or new pin. Usually if you lose your cheque-book you have several spares at home so in that sense it can have a small advantage. I don't mind cheques. I got paid a tax return via cheque and dividends on some shares but in Holland if you go to your bank and try to deposit a cheque they look at you like you have 2 heads. They will not deposit cheques into your account...forget it. Had to send it home to me ma who deposited it in an account here and then transferred the funds. Now THAT's annoying.

namloc1980 · 16-01-2014 08:01PM

Brylee CoolS Manure wrote: »

How else do you pay for large cost items when the seller does not take cards?. Coal delivery, builders etc.

I write a Max of 2 cheques each year but they are invaluable on those occasions.

Electronic transfer to their account. Very easy and painless (and much cheaper than using a cheque).

namloc1980 · 16-01-2014 08:02PM

Brylee CoolS Manure wrote: »

How do Germans pay building contractors, plumbers, etc?

Direct account transfer.

ytpe2r5bxkn0c1 · 16-01-2014 08:07PM

namloc1980 wrote: »

Electronic transfer to their account. Very easy and painless (and much cheaper than using a cheque).

Oh get real! I have never had a builder or decorator who would go the EFT route. Hard enough to get them to take a cheque at times. But, I'll not keep a grand or more in cash to pay a tradesman. Guy took down some trees recently and cost 1500. He took a cheque but it was only cash or cheque acceptable by him.

I am well aware of EFT and use it frequently but there are a few instances when only a cheque or banker's draft will do. Hence I ask for sensible suggestions on how to pay for such items.

The J Stands for Jay · 16-01-2014 08:08PM

MonaPizza wrote: »

If you ever lose your wallet or your card gets blocked it can take days or weeks to get a new one and/or new pin. Usually if you lose your cheque-book you have several spares at home so in that sense it can have a small advantage. I don't mind cheques. I got paid a tax return via cheque and dividends on some shares but in Holland if you go to your bank and try to deposit a cheque they look at you like you have 2 heads. They will not deposit cheques into your account...forget it. Had to send it home to me ma who deposited it in an account here and then transferred the funds. Now THAT's annoying.

You don't need a card to get money out of an atm.

namloc1980 · 16-01-2014 08:16PM

Brylee CoolS Manure wrote: »

Oh get real! I have never had a builder or decorator who would go the EFT route. Hard enough to get them to take a cheque at times. But, I'll not keep a grand or more in cash to pay a tradesman. Guy took down some trees recently and cost 1500. He took a cheque but it was only cash or cheque acceptable by him.

I am well aware of EFT and use it frequently but there are a few instances when only a cheque or banker's draft will do. Hence I ask for sensible suggestions on how to pay for such items.

What'll these guys do when cheques are inevitably phased out? Go out of business? For a business EFT is cleared funds. Cheques can and do bounce regularly. Why would someone accept a cheque knowing it could bounce.

Gandhi · 16-01-2014 08:20PM

They still use them here (in the US). However, they have modernized them somewhat. When I send a check (the Yanks even de-French-ified the spelling), I just go to my bank's web page or Android app, enter the details, and the check is printed and mailed to the recipient. I never see or touch the paper check. No charge for the printing or the mailing. I get a PDF of the check once deposited, complete with recipient's signature on the back.

To deposit a check, I just sign the back of it and take photos of the front and back using the bank's Android App. No charge for that either.

I do have a physical checkbook, and can deposit checks in person if I want, but I rarely do either of those unless we get a check in my wife's maiden name or there is some other complication.

MonaPizza · 16-01-2014 08:24PM

JohnMearsheimer wrote: »

I had to pay my rent to my landlord in Canada by cheque. She wouldn't even entertain the idea of an EFT. I was 27 when I first used one. Because I'd never used cheques before I had to have a brief word with my mother about what to do with it

I guess older people in Ireland would still like to use cheques because that's what they're used to. My uncle is in his 70s and still uses them. He has a visa debit card but he's a bit suspicious of it for some reason. Leave him off if he's happy using them I suppose.

Tax avoidance ploy on the part of your Canadian landlord. The EFT provides a steady e-trail of what's going into her account each month from you. The cheque on the contrary can be taken to your bank and cashed and this cash can be used for her monthly outgoings...groceries, petrol, clothes, eating in restaurant, movies whatever, while her regular salary gets deposited into her account, apres tax and isn't touched.
But you should always ask for a receipt with signature from your landlord when you hand over the cheque/cash. Best way to threaten her with a tax audit if she dicks you around over your security deposit.

namloc1980 · 16-01-2014 08:29PM

JohnMearsheimer wrote: »

I guess older people in Ireland would still like to use cheques because that's what they're used to. My uncle is in his 70s and still uses them. He has a visa debit card but he's a bit suspicious of it for some reason. Leave him off if he's happy using them I suppose.

He's suspicious of a debit card yet he's happy to give strangers a cheque with his NSC, account number and his signature on it!!!

MonaPizza · 16-01-2014 08:34PM

Brylee CoolS Manure wrote: »

How else do you pay for large cost items when the seller does not take cards?. Coal delivery, builders etc.

I write a Max of 2 cheques each year but they are invaluable on those occasions.

Coal? What's that?

MonaPizza · 16-01-2014 08:41PM

McGaggs wrote: »

You don't need a card to get money out of an atm.

Well I guess that's a new thing. I always use a card to withdraw funds.
Card lost/blocked, ATM out of order, cheque win.

MonaPizza · 16-01-2014 08:46PM

Gandhi wrote: »

They still use them here (in the US). However, they have modernized them somewhat. When I send a check (the Yanks even de-French-ified the spelling), I just go to my bank's web page or Android app, enter the details, and the check is printed and mailed to the recipient. I never see or touch the paper check. No charge for the printing or the mailing. I get a PDF of the check once deposited, complete with recipient's signature on the back.

To deposit a check, I just sign the back of it and take photos of the front and back using the bank's Android App. No charge for that either.

I do have a physical checkbook, and can deposit checks in person if I want, but I rarely do either of those unless we get a check in my wife's maiden name or there is some other complication.

That is utterly cretinous. You know what it reminds me of...that picture of the computer monitor thrown up on top of a photocopier with the caption "how a blonde prints out a document".

JupiterKid · 16-01-2014 08:58PM

I have a chequebook but I use it very rarely. Cheques still have their uses - even in our card-obsessed times.

Sir Arthur Daley · 16-01-2014 09:06PM

The day of the cheque book is nearly numbered i feel, i am doing more bank transfers than writing cheques lately, i prefer getting bank transfer than a cheque too because until it clears it is not worth the paper it is written on.

Morph the Cat · 16-01-2014 09:09PM

OP is clearly someone who doesn't run a business.

December2012 · 16-01-2014 09:11PM

As the payer, payment by cheque suits me immensely. I don't have to carry cash, I don't even have to log in to bank. But the bill is paid as far as I'm concerned - it's great for paying for kids activities.

Probably a pain for the recipient, but that's no concern of mine.

ytpe2r5bxkn0c1 · 16-01-2014 09:13PM

namloc1980 wrote: »

Why would someone accept a cheque knowing it could bounce.

I can assure you the guys who do work for me know there is absolutely no chance of one of my cheques bouncing.

Gandhi · 16-01-2014 09:15PM

MonaPizza wrote: »

That is utterly cretinous. You know what it reminds me of...that picture of the computer monitor thrown up on top of a photocopier with the caption "how a blonde prints out a document".

How on earth is that cretinous? So if I get a bill from a plumber who does not take credit cards, I should sit down, find my checkbook, write out a check, put it in an envelope, find a stamp, and go to the postbox to send it to him? Because doing that whole thing with a few mouse-clicks instead would be "cretinous"?

K.Flyer · 16-01-2014 09:26PM

Cheques are still very much the norm for a lot of business to business transactions so they won't be going anywhere just yet.
In saying that, we are looking at getting the mobile card payment machines soon to cut down on waiting on payments from customers and journeys to the bank, because the queues for the lodgement machines are now getting worse than the queue for the counters.

Matt_Trakker · 16-01-2014 10:04PM

Morph the Cat wrote: »

OP is clearly someone who doesn't run a business.

Morph the cat is clearly someone who doesn't bother reading threads

Stojkovic · 16-01-2014 10:07PM

mickydoomsux wrote: »

Always found cheques to be an insane concept.

They are literally an "IOU".

Not in the States or UK.
Where bouncing a cheque is fraud and you could go to jail.

banquo · 16-01-2014 10:08PM

People who pay me in other countries: Hang on now I'll pay you online... ok you're paid.

People who pay me in Ireland: Hang on now, I'm going to send this invoice to our accountant, where it will go in the pile to be processed. Once processed, it will go in the pile for ''cheque day'', at which point we will write your cheque and place it in an envelope for posting.

Eventually, Post Day will come and be posted. This we be a Thursday to maximise delivery time.

Then your cheque will arrive, and you will take an hour to go to the bank and lodge it.

Days later you will get money.

RandomName2 · 16-01-2014 10:15PM

Hey dodgy vendor, I can send you a cheque with the exact amount, or if you like, I can give you my credit card number over the phone.

Doy.

Peope who pay by cheque

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