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>to be honest I don't know anyone (certainly nobody in my family) whose bank still supplies them with a cheque book
In fact I'd change my bank if they didn't provide them.
- they're in Walsall so I can't pop in to pay cash 
Back in 2009 when there was talk about cheques being phased out by 2018 the figures given were that just 6 % of all payments in the UK were made by cheque.
> And I never liked cheques because you never know when the money will be taken and so if a direct debit or something goes out you can run >out of money before the cheque is cashed
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