I am an American citizen, living in the U.S., and I've been sent a small refund from a UK vendor in the form of a cheque drawn on the Bank of Scotland and made out to me.
My bank will charge $23 to process the cheque, but it's only worth about $35. A British friend has offered to present the cheque at her bank in England and give me the money in cash when she visits me.
Will a British bank accept a twice-endorsed cheque? If so, what do I need to write on the back? (I've already endorsed it)
If not, do you have any suggestions for what to do with the cheque other than handing over most of it to Capital One Bank?
Adding info: The cheque is in pounds. The vendor is a cumbersome bureaucracy which is unlikely to write a new cheque. I'm sure my friend would be willing to have the cheque deposited in her account. What do you suggest I write on the back of the cheque to make it acceptable to her bank?