Here’s what’s currently circulating about the “900 HMRC cheque” topic, based on recent reports.
Core answer
- There is ongoing reporting that HMRC is still issuing cheques for tax refunds, and a substantial number of these cheques go uncashed, leaving hundreds of millions of pounds unclaimed. Reported totals include roughly 178,000 uncashed cheques worth about £144 million, averaging around £800 per person. These figures reflect a broader transition period as HMRC shifts from cheques to bank transfers (BACS) and other digital methods. This situation has been covered by multiple outlets in April 2026 and noted again in May 2026 in some local/regional summaries.[2][3][4][5]
Context and what it means
- HMRC has been pushing to reduce cheque payments in favor of faster, more secure bank transfers, but the change is not fully complete, resulting in a hybrid system where some refunds are still issued as cheques. The uncashed cheques can become unusable after certain time windows, unless replaced on request. The situation has raised questions about accessibility and the effectiveness of the digital transition for all taxpayers.[1][3][2]
- The tax authority notes that most PAYE refunds are now sent by bank transfer, with cheques remaining an option only if requested by the taxpayer. Consumers who receive a cheque must cash it within the applicable validity period or arrange replacement if needed. This nuance is emphasized across several reports.[2]
Practical guidance if you’re affected
- If you receive a P800 tax refund letter indicating a cheque is owed, you can opt for a bank transfer (BACS) via your Government Gateway/online account to receive the money faster. If you still want a cheque, you’re responsible for cashing it before the expiry period, and you can request replacement if needed. The core message from HMRC and linked coverage is to act promptly and verify the payment method on offer.[2]
- For taxpayers who suspect they are owed a refund but have not seen a payment, checking HMRC online accounts or contacting HMRC directly can clarify whether a payment is due and whether it will be issued as a cheque or bank transfer.[2]
Public awareness and coverage
- Coverage from mid-April to May 2026 has repeatedly highlighted the gap between entitlement and receipt due to the cheque-led portion of refunds, with commentary on the efficiency and accessibility of the current hybrid approach. If you want the latest developments, I can pull the newest updates and summarize the most recent figures.[5][2]
Would you like me to pull the very latest figures and any regional notes or official HMRC statements to confirm current totals and deadlines? I can also outline steps to check your own refund status and preferred payment method.[5][2]
Sources
Around £144million has been left unclaimed with HMRC
www.gbnews.comHMRC issued over 1.7 million cheques last year
www.independent.co.ukHMRC still sending cheques leaves 178,000 UK taxpayers missing £800 refunds, learn why, who is affected and how to claim now before your cheque expires.
www.ibusinesstalk.co.ukHMRC still sending cheques in 2026 leaves 178,000 UK taxpayers missing £800 tax refunds as £144m goes unclaimed due to uncashed payments and slow digital transition.
westminsterpimliconews.co.ukHundreds of thousands of people are missing out on an average of £855
www.inkl.comAnnabel Yates says she faces a 94 mile round trip to bank a cheque because of changes at Lloyds.
www.bbc.co.ukAround 178,000 UK households could be missing out on tax refunds
www.ladbible.comHMRC still sending cheques is more than an administrative quirk: it is now a measurable reason tens of thousands of taxpayers are missing money that belongs to them. Figures show 178, 180 cheques went uncashed last year, leaving £144 million unclaimed. The average loss works out at around £800 per taxpayer, a reminder that a …
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