It is harder, but not impossible, I would thoroughly recommended it, though it's obviously not for everyone.

What?!? Really? That's not good news. (8+(

Mark

I'm sure there are ways to do it involving the account holder endorsing the cheque or something.

As an alternative - assuming you have a cheque book with your own account - would be to pay it into your account, wait for it to clear everything, then write a cheque or get a banker's draft to your mate for the full amount. A bit long-winded, has an element of risk, but would tick all the boxes.

Yes, that's what I was thinking, once into your current account, either write a cheque or if you have Internet Banking do a straight transfer using your mate's full name, account number and sort code of his account. I've done this in the past to pay a mate for some F1 tickets.

Just a note of caution, though - I'm assuming as we're talking a few thousand pounds here, are you 100% sure of your mate's reliabilty. I'm sure you are, but with that amount of money, would it not be a better (safer?) plan to use a close relative?

Things just got that much more complicated.
If I can't put it in my mate's account tomorrow then I don't think I'll have any other option but to put it in my own account.

Mark

He's 100% trust worthy. Also, I have no close relatives with online banking facilities that I can trust.

Mark

To open a Barclays Cash Card Account we need confirmation of who you are and where you live. We need two original documents (not photocopies) from the lists below.

To confirm who you are, we need one of the following:

•Full, current passport
•Current European Union member state Identity Card
•Current UK Photocard driving licence or UK full paper driving licence
•Benefit books/benefit entitlement letters; includes pension, Child Benefit, income support, disability and Job Seeker's Allowance
To confirm where you live, we need one of the following:

•Current UK Photocard driving licence or UK full paper driving licence with current address (if not used as identification)
•Gas bill (less than three months old)
•Water bill (less than three months old)
•Telephone bill for a fixed line (less than three months old), not a mobile phone bill
•Local authority council tax bill (current financial year)
•Bank statement (less than three months old) from another bank (Internet statements are not acceptable)
•Mortgage statement that's less than 12 months old (Internet statements are not acceptable)
•Council rent book (must be current)
•HM Revenue & Customs notice of tax coding (current tax year)

I know Sas, and that's all I needed for the Co-Op bank, but they still had to pass credit tests and make sure I hadn't been involved with money laundering - or something.
That's why I had to wait two days before finding out if the application had been accepted.
The guy I saw today was shocked to see that I'd been refused.
Apparently he's never seen a refusal before.

Mark

Does all seem very fishy. Did you manage to get a credit report from Experian or someone similar?

Even me, with my DRO, was given a basic bank with Nationwide (although granted they wouldn't give me a 'regular' one).

I have a report with Experian but WTF does it all mean?
I never got the score at the end because they want to charge me for that.

Mark

Depending how much it is for the full report/score it might be worth getting given the circumstances.

When other half moved to this address, it was a bit of a problem because the address triggered credit problems. It was a repossession, and the previous owners had done a bunk. The gas and electricity companies were very snippy - some demanding to have a pay as you go meter fitted. It could have been that the previous occupant was a “handy man” and had business fuel accounts. It struck us as odd that these problems would be carried over to the next owner who was in full time work, and had never bought a house before.

This “credit report” stuff is fascinating - but clearly troublesome especially when the information held on you is not available for free. Ho hum.

Anyway, I hope you get your money soon. You can open very basic accounts at the post office. These are designed for people to have their benefit payments paid into (as opposed to you having to cash a Giro). Maybe you can get one of those as an interim measure?

£6.
Everything on my report is green apart from one late payment to a credit card.

Mark

It's £6 or £7 for the score rating and it'll help you loads. If your score is 100-200, then you'll know there's no point. If it's 900+, then it's not your credit rating.

Might try that tomorrow if I can't pay it in to my mate's account.

Mark