Bank Giro Credit

by **LionsShare** Mon Feb 21, 2022 12:27 pm

Below is an Actual Live Bank Giro Credit with added value, note the thick black box is empty, don't worry this is a tactick used by util CoS to cause confusion, there should be a numerical figure in it. If you the Reader have all the elements of the pictured slip you have a go to endorse. The amount of info does vary on the slip however, Mine has at least 3 sometimes 4 sets of figures below the 'do not write....' line. Notice there is NO 'TransCash' logo

For correct wording follow the guide in this vid:
https://www.youtube.com/watch?v=A73YJn42fGM

for comparison of a 'TransCash' logo-ed joint giro credit NOTE the elements contained therein, the ONLY thing missing is the :'TransCash' logo, the above (not below image) is a bank giro credit with added value. Note on below image LHS is '138/32' I get that on my bank giro with added value sometimes.
https://youtu.be/_QnQerNu_v8?t=1905

example of a standard Bank Giro which MUST be accompanied with extra cash or cheque, this image comes from same video as the last, make comparisons! Please watch the video for full explanation of what to do in regards to the process & learn what a bill of exchange is, I have already given examples in the utilities section.

Some people may be worried about court for not discharging the 'bill' peoperly - endorsing the correct document, I have for me, endorsed the same type as the 1st in this post, over 5 years in, NO court, NO door knockers a knockin, granted that can change. When pressing the Util Co for proof a debt exists, nothing has come through, note I cannot provide proof of a communique NEVER received!

by **assassin** Mon Feb 21, 2022 2:18 pm

NO door knockers a knockin

You only wan't a large pair of knockers at your door and we all know it.

by **LionsShare** Mon Feb 21, 2022 2:56 pm

assassin wrote:NO door knockers a knockin

You only wan't a large pair of knockers at your door and we all know it.

by **LionsShare** Wed Mar 02, 2022 7:16 pm

here's another example, from SSE/Ovo. Have edited out identifying info but note certain things compared the other examples, there is NO 'CHEQUE acceptable/not acceptable at PO counter' below the thick black box. Below where it states Natwest 'Collection Account' I sometimes get a sort code + acc No, the Mr. Mrs etc name is missing, have also edited the bar code to try to confuse those that try to work out.....

The 138/208/32 I still have NO idea what it means. This is just another example of what we are all experiencing with a regard to consistancy over the giro slip, this is an example of a Joint Giro slip as oppose to a Bank Giro with added value. 74 X seems to be common on some slips.

by **LionsShare** Wed Mar 02, 2022 7:35 pm

If anyone has examples of giro slips either bank giro credit (MUST be accompanied with cash/cheque), bank giro credit with added value, or joint giro please forward them to me here on goodf & I will post unless you want to post directly - but make sure ALL personal info is gone.

by **LionsShare** Thu Mar 31, 2022 12:17 pm

yes LS I have an example, but without the 'Transcash' Logo, NB its a 'bank giro credit' please note the incompletely edited barcode is still there but minimal LSH in the middle to the right of the 'cashier's stamp' where the RED rectangle is:

by **LionsShare** Sun Apr 03, 2022 3:26 pm

Hi LS here is another example, hope all enjoy this from our very very friendly neighborhood gas company, this is probably the most complete example 1 can expect to get?:

by **LionsShare** Sun Apr 03, 2022 3:40 pm

SSE example, note the amount of info contained in the above BG image compared here - alot less (both joint giro examples), I have deliberately screwed up the barcode in each, for illustration purpose only:

by alfafasprout Sun Apr 03, 2022 10:44 pm

How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?

by **LionsShare** Sun Apr 03, 2022 10:52 pm

alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?

give me some time if I remember in the next few days, too busy at the mo, you could follow the thread in the utils section called 'down memory lane'

https://goodf.forumotion.com/t3622-down-memory-lane?highlight=dowm+memory

by **LionsShare** Sun Apr 03, 2022 10:53 pm

alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?

its not about winning more over a stalemate

by alfafasprout Sun Apr 03, 2022 10:55 pm

LionsShare wrote:
alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?
its not about winning more over a stalemate

What is better A4V or Endorsement?

by **LionsShare** Sun Apr 03, 2022 10:56 pm

please have a real good look:
https://goodf.forumotion.com/t5592-bank-giro-credit#38235

can you see the word 'voucher' that's it they are tell you? but what?

by **LionsShare** Sun Apr 03, 2022 10:58 pm

alfafasprout wrote:
LionsShare wrote:
alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?
its not about winning more over a stalemate

What is better A4V or Endorsement?

Endorse! If researched pretty much the same. If you A4V as oppose to endorse & it goes to court you will be asked 'what are you accepting for value?' how are you going to answer?

by alfafasprout Sun Apr 03, 2022 11:01 pm

LionsShare wrote:
alfafasprout wrote:
LionsShare wrote:
alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?
its not about winning more over a stalemate

What is better A4V or Endorsement?
if researched pretty much the same. If you A4V as oppose to endorse & it goes to court you will be asked 'what are you accepting for value?' how are you going to answer?

I am not researched well enough to be in court or answer that question as of yet. So I guess endorsement is the way for me! But I can't say I am too confident at that either!

by **LionsShare** Sun Apr 03, 2022 11:04 pm

alfafasprout wrote:
LionsShare wrote:
alfafasprout wrote:
LionsShare wrote:
alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?
its not about winning more over a stalemate

What is better A4V or Endorsement?
if researched pretty much the same. If you A4V as oppose to endorse & it goes to court you will be asked 'what are you accepting for value?' how are you going to answer?

I am not researched well enough to be in court or answer that question as of yet. So I guess endorsement is the way for me! But I can't say I am too confident at that either!

I did add Endorse but you beat me to it, its really simple, correct wording on the giro & a covering letter. some say do a home made prom note but why do that when the 'cheque' is there to discharge anyway? Here is 1 simple vid:

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

by alfafasprout Sun Apr 03, 2022 11:36 pm

LionsShare wrote:
alfafasprout wrote:
LionsShare wrote:
alfafasprout wrote:
LionsShare wrote:
alfafasprout wrote:How does one endorse these? I have seen multiple videos but not sure of the success rate and they seem to be changing the slips, if they send them at all?
its not about winning more over a stalemate

What is better A4V or Endorsement?
if researched pretty much the same. If you A4V as oppose to endorse & it goes to court you will be asked 'what are you accepting for value?' how are you going to answer?

I am not researched well enough to be in court or answer that question as of yet. So I guess endorsement is the way for me! But I can't say I am too confident at that either!
I did add Endorse but you beat me to it, its really simple, correct wording on the giro & a covering letter. some say do a home made prom note but why do that when the 'cheque' is there to discharge anyway? Here is 1 simple vid:

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

Thanks for the video. Can I use 1st class stamps or do they have to be £1 stamps? https://www.youtube.com/watch?v=A73YJn42fGM

by **daveiron** Mon Apr 04, 2022 9:20 am

I think the £1 stamp would be best as it denotes a sum certain,whereas
Ist class does not, Just my thoughts.

by **LionsShare** Mon Apr 04, 2022 12:44 pm

alfafasprout wrote:Thanks for the video. Can I use 1st class stamps or do they have to be £1 stamps? https://www.youtube.com/watch?v=A73YJn42fGM

TBH I've used 1p stamps before now with no difference, they just carry on. However in this series of vids, the presenter does suggest 1p may well work because its about 'paying your freight to the port authorities' https://www.youtube.com/user/gez1967gall/videos if you can find it? And where does it state in UPU rules it has to be 1st class or £1? Simply use stamps, as what denomination?

by OWtothelight Fri Jun 10, 2022 7:13 pm

Trying to upload a giro from Voda phone but can't take pic for some reason. There is no tear line, no instructions of how and where to pay. It's named a payment slip, and bank giro credit which nat west logo. My vp account number, inv number and mount due, which they have wrongfully increased, date of 31st may and I received it today 10th. June. No terms or time period stated. Has a place for cahiers stamp but definitlye does not say no payment required at PO.

Do I simply get the slip stamped and send it back? Or do I have to endorse it?
Lions Share mentioned in another post about the 74X on the bottom. Is this part of your NI number as part of mine appears with the X, I think this is the reference to our NI numbers that are used to access our trust accounts.

Everything is in boxes except signature, date, the amount they leave blank, and the. Cheque number, account number, their sort code and your NI number below the.line. The credit is from Nat west the government bank, I think this is where our trusts are held. So if above the line is there drawer, (bank name) and amount of credit to be paid by nat west, and below is the cheque number, customers account number , suppliers sort code and NI reference then it's basically a cheque and all it requires is a signature as all parties are listed drawer, drawee, payee??? Am I right? Can I just sign this, get it stamped and send it back? Although technically I can't as there is no rerun address, is this even valid document?

Help would be appreciated.

by **LionsShare** Fri Jun 10, 2022 10:36 pm

if you are trying to up load you will not see a tear off line, you need the document in paper form & nothing else. If you do then carefully fold not in 2 but slowly the line will appear, look at the images above the Santander bit.

on the slip 'no instructions of how and where to pay' there will be none.

overall you will need to send a pic as it could be a none joint giro, I can help but ONLY if I see the image.

the 74X has nowt to do wi NINO as far as I know - remember I don't have full disclosure on the joint giro.

where you state: ' their sort code and your NI number below the.line' it is NOT your NINO. Having looked at mine its NOT my NINO.

BECARFUL: 'The credit is from Nat west the government bank' I think you have got things VERY WRONG. please send a photo through to me & I will tell you what you have, does it have roughly 1/3rd way down starting LHS, Reference Number, followed by Credit Account No in boxes?

I can't advise unless you send an image through, it could be a std bank giro which MUST be accompanied with cash or cheque. I need to see specific info.

LS

by **LionsShare** Fri Jun 10, 2022 10:53 pm

OWtothelight is what you have similar to the BGas eg above? if so you have a joint giro, PM me & will explain how to endorse, its very simple.

also you may consider using a prom note as per this thread:
https://goodf.forumotion.com/t5655-promissory-notes

here also:
https://www.youtube.com/watch?v=zFvFlnlvRds

here is an example anecdotally it might work:
https://www.youtube.com/watch?v=0ssfDdu4Q2k

by **LionsShare** Fri Jun 10, 2022 10:57 pm

OWtothelight is what you have similar to this?
https://goodf.forumotion.com/t5648-most-complete-bank-giro-credit

by OWtothelight Sat Jun 11, 2022 12:23 am

Lions Share

Thanks for the replies, having watched a few videos I think it is a bank giro credit, that should only be issued to corporations not private individuals,so apparently I. Should ask for a joint giro credit of equivalent. I can't seem to upload it on this iPad, which is old, and my lap top has crashed, I will try to send a pic tomorrow from my phone.

With regard to the NI number below the line, I did not mean the full number, but the last two digits below the line are the same as the last two digits of my NI number, so I wondered if the ones on yours and others reference the last two digits of yours and theirs. So my thinking is that, although my name is not on the cheque as a payee, my trust bank account number is, four corners rule means anything inside a box is not part of the document. The only text outside of boxes is the bank name and address, the blank space for the amount, signature and date, then the numbers below, the line. It's a check, so the payee is the name listed on the check next to payment, in this case the bank, and then the drawee, signs it to be drawn from?????? The only drawer reference on there is nat west and part of my NI number.

Also the < and> symbols mean greater or less than so have meaning. Maybe for and to the accounts listed beside them?

I did find the return address, listed in the direct debit section, but there is no perforation. They originally sent it by email despite me requesting only mail, so it looks like they have printed it off in their office. Not sure if I should just send it endorsed but not transfers as it is not made out to me but to thief bank, or request a different type, but requesting things from Vodafone doesn't seem to go far.

by **LionsShare** Sat Jun 11, 2022 3:52 pm

OWtothelight wrote:With regard to the NI number below the line, I did not mean the full number, but the last two digits below the line are the same as the last two digits of my NI number, so I wondered if the ones on yours and others reference the last two digits of yours and theirs. So my thinking is that, although my name is not on the cheque as a payee, my trust bank account number is, four corners rule means anything inside a box is not part of the document. The only text outside of boxes is the bank name and address, the blank space for the amount, signature and date, then the numbers below, the line. It's a check, so the payee is the name listed on the check next to payment, in this case the bank, and then the drawee, signs it to be drawn from?????? The only drawer reference on there is nat west and part of my NI number.

again I don't have full disclosure on the joint giro, as far as I can see it has nothing todo woith NINO but that said we are suppose to have a 'private' number too so who knows?

Drawer & Drawee the corporate bank, Payee the util Co, you simply endorse for the transfer to take place on your behalf see:
https://goodf.forumotion.com/t5119-deciding-what-to-do

also look at the 'added' here:
https://goodf.forumotion.com/t5655-promissory-notes#38710

'A owes B, in turn owes C (it has to be the same amount across the board eg £100), A gives B a cheque, B endorses cheque & gives to C, C then 'cashes' the cheque but the 'transfered' amount would actually go from A to C. In this case B would have treated the cheque as 'cash'.' that's is essentially what you are doing, can you see the difference though? Have a think - you don't owe anything.

OWtothelight wrote:Also the < and> symbols mean greater or less than so have meaning. Maybe for and to the accounts listed beside them?

who really knows?

OWtothelight wrote:I did find the return address, listed in the direct debit section, but there is no perforation. They originally sent it by email despite me requesting only mail, so it looks like they have printed it off in their office. Not sure if I should just send it endorsed but not transfers as it is not made out to me but to thief bank, or request a different type, but requesting things from Vodafone doesn't seem to go far.

you will need to make suer you have the correct instrument before endorsing or if you end up in court it will be you that gets done for sigining the wrong instrument

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