tc61380
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posted on November 9, 2003 02:27:37 AM new
i recieved a bounced check, is there anything i can do...
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dejapooh
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posted on November 9, 2003 04:46:12 AM new
You can contact the people. ask for your money. (I assume you already sent the stuff). If they do not respond, turn it over to a collection agency.
http://www.madagency.com/
is used by a lot of Ebayers. Good luck.
They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety. B. Franklin
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rarriffle
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posted on November 9, 2003 05:34:53 AM new
dejapooh, thank you for the link. I have gotten 2 checks in the last month, my first ones ever.
Life is only as good or bad as you make it.
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maggielane
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posted on November 9, 2003 08:19:33 AM new
I have had about a 1/2 dozen bounced checks in 7000 or so items I have sold. Every one of them cleared the second time it went through. Submit it again and it will probably clear.
"For I know the plans I have for you." says the Lord. "They are plans for good and not for disaster, to give you a future and a hope." - Jeremiah 29:11
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fluffythewondercat
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posted on November 9, 2003 08:27:36 AM new
I disagree with maggielane.
First, figure out what kind of bad check you have: NSF or closed account. There is a difference. Everyone bounces a check now and again, is the traditional law enforcement thinking, but writing a check on a closed account is a clear act of fraud. You can get the authorities involved right away in this case.
Second, if you are in California, familiarize yourself with the statutes. We have a specific law pertaining to bounced checks and there are specific procedures to follow and specific remedies. Do a Google search to find out more; I'm not going to post it all here.
I advise NOT submitting the check again for payment until you have been contact with the checkwriter (and maybe not then). Standard email from us goes something like this: "Your check in the amount of $x in payment of auction item xxxxxxxxxx was returned by our bank for insufficient funds. Our bank charges a $25 fee when this happens. Forward to us a cashier's check or money order in the amount of $(x plus 25.00) to be received in our office no later than close of business (10 days from now), or we will pursue legal remedies."
Good luck. I just got an NSF check back Friday and I am going to get a great deal of malicious pleasure out of pursuing this one. It's a special case and perhaps I'll post about it.
--
The beauty of the California political process is that "Recall Gray Davis" can now have a question mark on the end.
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popnrock
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posted on November 9, 2003 08:59:04 AM new
I had a so-called friend/coworker bounce a check on me. She wouldn't returned my calls ... Someone told me to contact her bank and verify funds. The minute the funds were there I cashed it. I know some banks will not do this but it's worth a try.
Miss J
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fluffythewondercat
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posted on November 9, 2003 10:23:03 AM new
Yes, you can try to verify funds. Good point. More and more, though, banks won't do it for a non-customer. Or they will demand a fee for doing it.
--
The beauty of the California political process is that "Recall Gray Davis" can now have a question mark on the end.
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tc61380
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posted on November 9, 2003 11:04:12 AM new
thanks for all your advice..i have asked the bidder about it, she said she would send me a MO to cover for costs. THat was 3 weeks ago, and when i asked her again last week where my money was, she pulled the "i never received your address bit" and is obviously stalling with me. I will use the mad agency link. THanks!
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AuctionAce
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posted on November 9, 2003 11:24:51 AM new
MAD worked great for me the one time I used it. No fees and no hassle. It was a small check but it was the principle of the thing. The guy never responded to any emails.
-------------- sig file ----------- *There is no conclusive evidence that life is serious*
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drcomm
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posted on November 9, 2003 12:18:44 PM new
I agree about it being "the principle" of the thing Ace. I have my very first bounced check as well (so much for all that knocking on wood). It's a very low dollar amount too, but I hate the fact that the person is sitting over on her side of the country saying "yeah, whatever" to my emails. Think I'll give that link a try as well..thanks.
Question though..when a check bounces against a closed account (like she says it does.."oops, thought all the checks cleared" routine), isn't it stamped "account closed" and not NSF?
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rarriffle
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posted on November 9, 2003 01:01:00 PM new
so the Mad agency charges no fees for small checks? how does it work?
Life is only as good or bad as you make it.
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