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I'm not gullible, stupid , or an idiot

ManyBeers

ManyBeers

Platinum Member
Has anybody here ever received a check, taken it to their bank for cashing,
returned several days later when the check has cleared and the funds were
placed in your account and you decided to not accept the funds. In other words even though your bank has told you the check is good and has put the money in your account you decide the check is no good and refused acceptance of the funds?
 
write a check for that amount to the person that gave it to you and say you changed your mind. I think once the check has posted to the writer's account, it is not reversible
 
" I think once the check has posted to the writer's account, it is not reversible"

Better rethink that dude

 
I'll probably wish I had waited for a better explanation, but it's not up to you to decide if the check is good.

When you deposit a check, you are asking for the funds to be taken from the issuer's account and put in your own. If the funds are there, the bank transfers the funds to you. That's their job. AFAIK, there is no mechanism where you can tell the bank to not collect on the check that you deposited.

The bank would tell you that if you didn't want the money, you shouldn't have deposited the check.

Is it one of those things where you deposited a check that authorizes them to change your phone company or something?
 
OK this is what my question was about:

I lived in Las Vegas, Nev. From April 2003-April 2004, one year. One day I decided to put my racing go-kart up for sale in the Las Vegas Review Jounal at 2,500.00. This was the third time in a couple of months I ran the add(the market for racing go-karts is not huge!), anyways I get an e-mail from some guy who "claims" he lives in Nigeria and is interested in my go-kart!(come on i'm thinking) but I returned an e-mail and we exchanged e-mails in which he explained how he would send me a check for 6,500.00 and I was deduct the money for the go-kart and to mail the remainder to him. Yeah sure whatever you say!! I am very skeptical but I say mail the check and if it's good I'll send the money. He said he would have a local friend of his pickup the kart when sale completed.

Not believing this baloney i forgot about it, but a couple weeks later I get a check in the mail drawn on some East Coast bank for 6'500. 00 I'm shocked couldn't believe it so I go down to the local Bank of America(my bank) to cash the check, I am told I'll have to wait one week for check to clear OK. A week goes by I go to my bank and the check is GOOOD. I have the teller show me my account information so I can clearly see on her COMPUTERSCREEN the money ws in fact added to my account. Cool

So now I had to get him his money. I decided to get a bank money order and use that method. I had one made up for 4,000.00
and was just getting to leave when one of the banks employees tells me about these Nigerian scams What! i say. He says that they use counterfeit checks and it's "possible" that even though the check I received was declared good "BY MY OWN BANK" that it may still comeback a month from now and I could be held responsible for the funds.(What a funny rule for a bank to have)That's right. I immediately had the Money order voided and that was the end of it
I lost nothing.

epilogue: 2 weeks later I get a notice from my bank that the check was indeed counterfeit and the 6,500.00 was taken back. Back where I started from. I finaly sold my kart up in San Jose cal several months later for 900.00

 
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