Bad Check

HI

I used to work in a bank and up here in Canada I would tell somebody to hold the check and keep going back to her bank to see if you can cash it there once there are funds in the account. It's kind of a pain but if you just keep going back and checking you might be able to recover your money. Of course you won't be able to recover your fee that your bank charged you....unless she is willing to pay it herself but if you can't even get a hold of her you might have to consider it a loss. It's too bad that one person has to ruin it!

Hope that helps

I"m not a lawyer, but in some states you can get triple damages. In other words 3 times the amount of the check.

Since you have already called her 2 times and left messages...did you give her a time frame to call you back by?

Your next step is to send her a letter. I would send her a Certified, signature required letter explaining your situation ( research what you're options are) let her know what legal recourse you have and give her a deadline, find out how long need to give her legally.

Don't let this customer get away with this. I have seen people post "bad" checks in their stores..lol

Things happen, and they happen to EVERYONE, but...if she's ignoring you...it takes on a "WHOLE" other meaning!

Sorry that you have to deal with this.

Depends on how much the check was for. If it is a small amount, I'd write it off as a cost of doing business and change my check acceptance policy. If it is a large amount, take her to court and sue her in small claims. You can request your court costs and any out of pocket expenses (except for lost wages).

Do you do contracts with your customers? If you do, you can write on your contracts that returned checks will cost the customer a $25.00 NSF charge, and make the customer initial it.

Debbi

I forgot to add one more thing.
I wouldn't give her the check until you have the cash! The check is the only way you might get your money back unless she gets back to you and pays you cash. If there are funds in the bank the bank will take the check and give you the cash.....hope this makes sense!

Hi,

I suggest you take the check back to the bank around the 1st, 15th or last day of the month. These are the usual paydays for people and her account might ha ve the funds then. Its a pain but maybe u will get ur $$..

Berta

ooh..so..she commited a felony--lol

a check from a closed account is not the same as a bounced check.

With a bounced check there MAY be the possibility of money being in the account someday.

A closed account...well..it's closed! No money or hope of ever being money in the account!

Time to talk to someone at your bank to see what you can do about this....Legally.

go the cops. go to small claims i dont know how much the check is. but it might be worth ur while.

Thats aweful, I would be steaming mad. Even if it was only a small amount I wouldn't let this person get away with this, I mean they proably knew when they wrote the check it wasn't any good. I usually don't get upset this fast, but to think someone did this on purpose

I have come across checkbooks from closed accounts that i thought I got rid of. Perhaps she picked up the wrong checkbook and didn't realize it. I would give her the benefit of the doubt only so that she doesn't give YOU a bad rep by saying you jumped to the conclusion and blah blah blah. Maybe she went on vacation.

Give her a fair amount of time to respond (did you have a good feeling when you discussed business with her?) Sometimes your gut is the best instinct. If she leaves you hanging after fair attempts...then...I would pursue it legally.....good luck

Wow that's CRAZY. Her account is CLOSEDDDDDD. I would contact her again also the cops to see what you can do. If it is a small amount I would just write it off and as someone said earlier change my check policy.


Good Luck. I hope she calls you back.

I would leave her one more messge-like it was stated-maybe she was on vacation, etc. Then if she did not respond in a reasonable timeframe-only you know what that is for you-then I would send a certified letter-make notes of calls and copy of the letter for your records. Then IF she does pick up the letter you will also have her signature so she can't say "I DIDN"T KNOW"-in your letter explain that you have attempted to contact her on 3 occasions-dates, etc. entered here-and due to her lack of response she leaves you no recourse but to send the letter. She has ?? days to respond with the cash or further legal action will be taken. You gave her a product-she did not pay for it-that's fraud, theft and just down right immoral and rude. I'm not saying accidents don't happen but you can be assured the bank let her know she wrote a check on a closed account and they denied it so this shouldn't be a shock to her..you work hard for your money and there is no sense in letting her get away with it-it's the principal-if she had called and explained she didn't have the money you would have been able to work with her etc. Things like this irritate the heck out of me-had it happen to me over something else-not a cake- and the girl refunded the check amount but would not cough up the amount my bank charged-at that point I was happy to get the check amount-but you can be guaranteed I would never take a check again from her! Now I take the checks to the writers bank to cash!!! May cost me extra time but at least I know before I count on it being in my account....THE END!

i got to thinking. her name and addy is on this check. you could always go over there seeing that you have called and she hasnt returned any of ur messages.. just a thought