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Moving back to Uk cheque trouble

Moving back to Uk cheque trouble

Old Oct 28th 2019, 8:55 pm
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Default Moving back to Uk cheque trouble

Hi there.

We are moving back to uk due to another lovely working relocation and this time we will have to say goodbye for real to Vancouver.
Last year has been a bit though as wife got a big car crash and now dealing with ICBC and lawyer and else regarding that.
We will move the case to Uk where she will follow up with specialists.
The problem is that ICBC is willing to refund money (like always been over here) for any expenses made for specialists but will be all issued by cheques.
We are talking about possibly another 10 15 cheques which will arrive over the next year of the claim.
The lawyer we hired told us that the only way to get the money back is via cheque and ICBC doesn't deal with direct debit or so.
Do you know if we are allowed to deposit a Canadian cheque in UK soil?

We re absolutely flattered about the situation but apparently this is the only way to deal with.

Thanks ppl.

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Old Oct 28th 2019, 9:19 pm
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Default Re: Moving back to Uk cheque trouble

Can't they be deposited into your Canadian bank account and you can transfer the funds across?
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Old Oct 28th 2019, 9:25 pm
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Default Re: Moving back to Uk cheque trouble

What she said ^

Deposit into Canadian acct, use something like transferwise https://transferwise.com/ to transfer to UK acct at a really good rate.
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Old Oct 28th 2019, 9:25 pm
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Default Re: Moving back to Uk cheque trouble

the problem is : who could deposit this money for us on our bank account if both moving back to uk?
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Old Oct 28th 2019, 9:26 pm
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Default Re: Moving back to Uk cheque trouble

You could add a designate (friend/family still here) with the ability to deposit into your account or do eDeposit from your mobile.
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Old Oct 28th 2019, 9:26 pm
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Default Re: Moving back to Uk cheque trouble

I do Use Transferwise. but this is slightly different as we will receive our cheque in England and not planning to come back here (Vancouver) for long time
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Old Oct 28th 2019, 9:27 pm
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Default Re: Moving back to Uk cheque trouble

You won't be able to deposit a Canadian Cheque at a UK bank - a cheque is just a series of numbers that tell the receiving bank what bank and bank account to pull the money from. This Canadian bank data is meaningless to a UK bank.
Originally Posted by St.Albans View Post
the problem is : who could deposit this money for us on our bank account if both moving back to uk?
​​​​
One solution might be to have cheques mailed to you in the UK, then use a banking app on your phone for your Canadian bank to take a photo of the cheque and deposit the cheque electronically, then transfer it once it clears.
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Old Oct 28th 2019, 9:28 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by Gozit View Post
You could add a designate (friend/family still here) with the ability to deposit into your account or do eDeposit from your mobile.

right, so receiving the actual cheque in UK and eDeposit it over Canada with the bank app.
not a bad idea
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Old Oct 28th 2019, 9:29 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by CanadaJimmy View Post
You won't be able to deposit a Canadian Cheque at a UK bank - a cheque is just a series of numbers that tell the receiving bank what bank and bank account to pull the money from. This Canadian bank data is meaningless to a UK bank.

​​​​
One solution might be to have cheques mailed to you in the UK, then use a banking app on your phone for your Canadian bank to take a photo of the cheque and deposit the cheque electronically, then transfer it once it clears.

Well, I did deposit in the past several US cheque on my Uk account.
are you telling me that Canadian cheques are so particular that can't be deposited anywhere in the world?!

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Old Oct 28th 2019, 9:31 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by CanadaJimmy View Post
You won't be able to deposit a Canadian Cheque at a UK bank - a cheque is just a series of numbers that tell the receiving bank what bank and bank account to pull the money from. This Canadian bank data is meaningless to a UK bank.

​​​​
One solution might be to have cheques mailed to you in the UK, then use a banking app on your phone for your Canadian bank to take a photo of the cheque and deposit the cheque electronically, then transfer it once it clears.
Eh?

I deposit UK cheques to my Canadian account and Canadian cheques to my UK account all the time. The only issue is the exchange rate and the holding period but, those aside, it is perfectly feasible.
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Old Oct 28th 2019, 9:33 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by St.Albans View Post
Well, I did deposit in the past several US cheque on my Uk account.
are you telling me that Canadian cheques are so particular that can't be deposited anywhere in the world?!
Did a bit of digging and found this thread. I may have been incorrect in my assumption:
https://britishexpats.com/forum/cana...ccount-589933/

Seems like it is possible, though I am surprised I have to say.

Originally Posted by Almost Canadian View Post
Eh?

I deposit UK cheques to my Canadian account and Canadian cheques to my UK account all the time. The only issue is the exchange rate and the holding period but, those aside, it is perfectly feasible.
Interesting, honestly thought this was impossible. My mistake!
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Old Oct 28th 2019, 9:34 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by Almost Canadian View Post
Eh?

I deposit UK cheques to my Canadian account and Canadian cheques to my UK account all the time. The only issue is the exchange rate and the holding period but, those aside, it is perfectly feasible.

but the real issue to me is (and maybe with your experience you can tell me more) why does Canada over use cheques? I mean, I don't get why it's all about cheques when a direct deposit over bank accounts would be so easy.

Jeez is almost 2020.
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Old Oct 28th 2019, 11:33 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by St.Albans View Post
the problem is : who could deposit this money for us on our bank account if both moving back to uk?
Your Canadian lawyer?
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Old Oct 28th 2019, 11:36 pm
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Default Re: Moving back to Uk cheque trouble

Originally Posted by St.Albans View Post
but the real issue to me is (and maybe with your experience you can tell me more) why does Canada over use cheques? I mean, I don't get why it's all about cheques when a direct deposit over bank accounts would be so easy.

Jeez is almost 2020.
Because it's not the UK. When we were in the UK in September we wondered why all the fresh fruit and vegetables were in plastic packaging. Jeez it's almost 2020! Different countries = different ways of doing things.
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Old Oct 29th 2019, 12:31 am
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Default Re: Moving back to Uk cheque trouble

Originally Posted by St.Albans View Post
but the real issue to me is (and maybe with your experience you can tell me more) why does Canada over use cheques? I mean, I don't get why it's all about cheques when a direct deposit over bank accounts would be so easy.

Jeez is almost 2020.
Ask your lawyer to agree to deposit the funds.into his/her trust account.and then permit them to wire the funds to you. It should be possible to do that if nothing else works.
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