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Moon phases


Transcash - the death of

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Transcash - the death of

Post by LionsShare on Sat Dec 08, 2018 3:45 pm

All,

Afternoon, what follows is mostly from experience & some IMO.

Fact "Transcash" joint giro credit slips have gone! The bit in RED, says it all.

Remember we the people - men & women are the credit.

from:

https://www.chequeandcredit.co.uk/cheque-clearers/other-clearings/credit-clearing-and-bank-giro-credits

"Bank giro credits (BGCs) are used by customers to pay cash or cheques into a bank account. They are commonly found in the form of tear-off strips at the bottom of utility, telephone and other regular bills. A bank giro credit is basically a paper slip addressed to a bank branch instructing it to credit a specified sum of money to a named account at that branch. It bears the money mark logo next to the words “bank giro credit”.

A bank giro credit is not a payment instrument, i.e. it cannot be used on its own to make a payment, and must be accompanied by cash and/or cheque – so the use of bank giro credits tends to follow any trends in the use of cheques and cash as a method of payment.

Customers can use a bank giro credit to pay a bill in two ways: by post with a cheque or over a branch counter of their own bank with a cheque or cash.

Bank giro credits can also be found in the back of chequebooks and are used by customers to pay cash or cheques into their own bank accounts. In addition, they are used by banks to collect donations for charity appeals such as Children in Need. A joint giro credit is one that has been issued by a biller and it can be used to pay a bill either at a bank, in which case it will be cleared through the inter-bank credit clearing, or at a branch of the Post Office. The joint giro credit is addressed to Santander (UK) plc and has the words “TRANSCASH” printed on it, as well as the words “bank giro credit” and the money mark logo. As of 2018, joint giros are being phased out as Santander does not offer new joint giro accounts any longer. Any institution now wishing to use the Post Office as a bill paying facility has to include a bar code on either the statement or the BGC itself. As a result there is no need for the joint giro code line, Post Office bill payments are now automated at the counter."

From experience had several "bills" including repeat, from a certain utility company (UC). Have been sent what appears to be a bill with possibly a commercial instrument to discharge it, so how can 1 tell if indeed it is such a thing?

As stated  "Transcash" has gone so what was recieved could only tell by trying to discharge via posting back endorsed 1 of several ways (more on that later).

What was received is similar to this, FFWD 27:10, without the words "Transcash" on:

https://www.youtube.com/watch?v=_QnQerNu_v8

Do NOT get confused between that & normal bank giro credit (REW 26:30 same vid), there is a good way of telling if the new non "Transcash" is a commercial instrument IMO - read the wording on what you receive & compare to the "Transcash" at 27:10 can you see what it is?

From experience have asked for evidence that a debt exists nothing returned including the endorsed "instrument" so it is accepted as is, sent Archbold Quotations (plaintiff will prove...) - received nothing, only a statement (no proof) that a debt exists, they will not be corresponding further (no mention of court action), & would I pay it (out of bank, my account - I suppose)?

What you receive bar code/non bar code, as stated about the bar code is for clearing through the post office's own clearing system, a non bar code would IMO go through the receiving bank's own clearing system.

How to endorse? 1. as per the vid listed or 2.:

https://www.youtube.com/watch?v=oSC8xqI-xuM

Have used both at different times, did a while back receive back that posted (was Transcash then) so sent a natorial protest.

Some may have doubts about this, surely if I have it wrong then the UC would be after me with threats of this, that & the other but NOTHING!

Hope that puts a smile on faces for Xmas!

All the best for Xmas

LS
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LionsShare
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