I'm not gullible, stupid , or an idiot

[crypticlogin]

Originally posted by: ManyBeers
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)
...
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.
...
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.

It's funny how you'll jump through all of these hoops when your gut is saying something. And BS on not knowing about these Nigerian scams.

Manybeers over at 2+2 forums

And you *are* an idiot, stupid, and gullible. Proof is in the thread.

 

[ManyBeers]

Originally posted by: SampSon

Originally posted by: ManyBeers

Originally posted by: SampSon

Originally posted by: ManyBeers

Originally posted by: SampSon
So the check was counterfeit, everything has been resolved, and you posted this thread long after the fact?

What is the question here?

I don't know were you aware of the fact that your bank can call back a check on you "months" after you have used the funds and you are responsible EVEN THOUGH YUOR OWN BANK TOLD YOU MONTHS EALI
NOT ONLY WAS THE CHECK GOOD BUT YOU CLEARLY SAW THE FUNDS IN YOUR ACCT>? Youknew this. I don't believe you if you say you did.

Are you 15, do you need all caps and condescending remarks to get your point across?

Yes I knew this and frankly I don't give a sh!t if you believe me or not.

Funds in your account mean nothing when a federal crime is involved. Funds in your account really don't mean a damned thing.

Even small potatos stuff such as the scams people pull through paypal would show you the same result.

I don't believe you.

READ!
This has been posted numerous times.

Since you're obviously unable to read or comprehend english I'll quote this for you.

The scam works because the Federal Deposit Insurance Corp. (FDIC) requires banks to make money from cashier's, certified, or teller's checks available in one to five days. Consequently, funds from checks that might not be good are often released into payees' accounts long before the checks have been honored by their issuing banks. High quality forgeries can be bounced back and forth between banks for weeks before anyone catches on to their being worthless, by which time victims have long since wired the "overpayments" to the con artists who have just taken them for a ride.

If you accept a cashier's check as payment for something you have sold or rented, make sure it has cleared the issuing bank before you refund any money or surrender possession of the vended item. It may take two to three weeks for the banking system to determine the check is counterfeit, so even if the funds look like they're available (and even if your bank tells you they are), hold onto whatever it was you sold and the funds you received for it for three weeks.

What you believe is irrelevant because you've proven yourself to be a complete dolt, incapable of reading your own thread, comprehending what people are saying in your thread, and thinking "hey, mabey I really don't know what I'm talking about".

Now stfu and sit down.

Shut up yourself. I DID WAIT FOR IT TO CLEAR. My bank said the check had cleared, and the deposits were placed in my account. In other words I should have known that EVEN though BofA says the check is GOOD I should have questioned them. I should have known that they can basically RENEGE on me. I should have known this.

ARE YOU ****** SERIOUS

 

[dainthomas]

Originally posted by: ManyBeers

Originally posted by: SlowSpyder
This is an oooold scam, but going around the internet for years now. I can't believe I'd actually ever hear from someone who fell for it. Good luck getting it sorted out, but the warning signs were there... live and learn I guess.

Get what sorted out? Can't you read. It already is sorted out..............

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

VERY URGENT..APLOLOGIZE FOR ERLIER INCONVNIENEC
Earlier sent check by mistake wrong account
Though I know that a transaction of this
magnitude will make any one apprehensive and worried,
but I am assuring you that all will be well at the end of the day.
I have decided to send another VERY GOOD check for amount of
thirty two trillion (32,000,000,000,000.00) Please retrun excess as money order ASAP!
I look forward to hearing from you.
God bless you and your family.
Regards,
DR UD. PIUS to drudpius45@yahoo.com

PS If yore bank say check not is valid THEY ARE LYING!!!

 

[MrChad]

Originally posted by: ManyBeers
Shut up yourself. I DID WAIT FOR IT TO CLEAR. My bank said the check had cleared, and the deposits were placed in my account. In other words I should have known that EVEN though BofA says the check is GOOD I should have questioned them. I should have known that they can basically RENEGE on me. I should have known this.

ARE YOU ****** SERIOUS

Write a letter to Bank of America and tell them that they should warn their customers about the potential dangers of cashier's checks.

 

[ManyBeers]

Originally posted by: crypticlogin

Originally posted by: ManyBeers
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)
...
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.
...
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.

It's funny how you'll jump through all of these hoops when your gut is saying something. And BS on not knowing about these Nigerian scams.

Manybeers over at 2+2 forums

And you *are* an idiot, stupid, and gullible. Proof is in the thread.

What about I had the same discussion over ther So what. I had never heard of this ****** until the bank employee mentioned it to me.
Who are you, and how did you find that thread?

 

Shut up yourself. I DID WAIT FOR IT TO CLEAR. My bank said the check had cleared, and the deposits were placed in my account. In other words I should have known that EVEN though BofA says the check is GOOD I should have questioned them. I should have known that they can basically RENEGE on me. I should have known this.

ARE YOU ****** SERIOUS

You waited for your bank to clear it themselves, not for the issuing bank to clear it. So yes, you're gullible, stupid and an idiot. As you found out, igorance for the rules is not an excuse.

 

[ManyBeers]

"PS If yore bank say check not is valid THEY ARE LYING!!!"

They didn't say it was"Not Valid" they said it "Was Valid". Read the post

 

[crypticlogin]

Originally posted by: ManyBeers
Who are you, and how did you find that thread?

I'm Idi the Nigerian, Mark. I'm angry that you stole my money.


I will have it back with interest.

 

[ManyBeers]

Originally posted by: MrChad

Originally posted by: ManyBeers
Shut up yourself. I DID WAIT FOR IT TO CLEAR. My bank said the check had cleared, and the deposits were placed in my account. In other words I should have known that EVEN though BofA says the check is GOOD I should have questioned them. I should have known that they can basically RENEGE on me. I should have known this.

ARE YOU ****** SERIOUS

Write a letter to Bank of America and tell them that they should warn their customers about the potential dangers of cashier's checks.

Like they don't know.

 

[mercanucaribe]

"ManyBeers" is a pretty ironic name. I read the whole thread and don't understand what you are saying. Are you Nigerian by any chance?

 

[dullard]

Originally posted by: ManyBeers
Here 's why it is linked...When my bank told me the check was good and in fact showed me the money deposited in my account I would never question them. Would you? Therefore I would not tell them NO I DON"T TRUST YOU, AND I WILL NOT ACCEPT THE FUNDS. Would you?

Federal law states that money must be made available within ~5 days. But federal law gives them weeks to find fraud. So what you said happens all the time. No, I would never trust that the money is real until weeks later.

However, no I would not go to the bank and say I do not accept the funds. I'd just wait it out. The bank will either decline it in a few weeks or not. No reason to actually take any action on my part. But then, I would have never accepted a check for more than the value.

 

[ManyBeers]

Originally posted by: b0mbrman

Originally posted by: Astaroth33

Originally posted by: ManyBeers
I will show relevance soon

And you didn't "show relevance" in the original post because...?

Because attention is fun?

Originally posted by: ManyBeers
OK this is what my question was about:

I lived in Las Vegas, Nev. From April 2003-April 2004, one year..... I finaly sold my kart up in San Jose cal several months later for 900.00

Originally posted by: trinketsummoner
I would disagree with your topic title

"Because attention is fun? "

I have been on this board for 2-3 years and I have all of 312 posts. I'm a real attention whore. Come on

 

[ManyBeers]

Originally posted by: SampSon

Shut up yourself. I DID WAIT FOR IT TO CLEAR. My bank said the check had cleared, and the deposits were placed in my account. In other words I should have known that EVEN though BofA says the check is GOOD I should have questioned them. I should have known that they can basically RENEGE on me. I should have known this.

ARE YOU ****** SERIOUS

You waited for your bank to clear it themselves, not for the issuing bank to clear it. So yes, you're gullible, stupid and an idiot. As you found out, igorance for the rules is not an excuse.[/q

What did my bank "clear" if not with the issuing bank. What does "clearing" a check mean?

 

[dainthomas]

Originally posted by: ManyBeers


"PS If yore bank say check not is valid THEY ARE LYING!!!"

They didn't say it was"Not Valid" they said it "Was Valid". Read the post

As I said earlier, Apology for incnovniencing you kind sir.
Large VERY GOOD check is on the way
God bless you and your family.
Regards,
DR UD. PIUS to drudpius45@yahoo.com

PS If ANYONE say check not is valid THEY ARE LYING!!!

 

[talyn00]

Originally posted by: ManyBeers

Originally posted by: crypticlogin

Originally posted by: ManyBeers
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)
...
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.
...
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.

It's funny how you'll jump through all of these hoops when your gut is saying something. And BS on not knowing about these Nigerian scams.

Manybeers over at 2+2 forums

And you *are* an idiot, stupid, and gullible. Proof is in the thread.

What about I had the same discussion over ther So what. I had never heard of this ****** until the bank employee mentioned it to me.
Who are you, and how did you find that thread?

Google for "Manybeers"

 

[ManyBeers]

Originally posted by: dullard

Originally posted by: ManyBeers
Here 's why it is linked...When my bank told me the check was good and in fact showed me the money deposited in my account I would never question them. Would you? Therefore I would not tell them NO I DON"T TRUST YOU, AND I WILL NOT ACCEPT THE FUNDS. Would you?

Federal law states that money must be made available within ~5 days. But federal law gives them weeks to find fraud. So what you said happens all the time. No, I would never trust that the money is real until weeks later.

However, no I would not go to the bank and say I do not accept the funds. I'd just wait it out. The bank will either decline it in a few weeks or not. No reason to actually take any action on my part. But then, I would have never accepted a check for more than the value.

They have up to a year. You would wait them out huh. When have you ever done this.

 

What did my bank "clear" if not with the issuing bank. What does "clearing" a check mean?

The bank cleared the funds to be deposited into your account from their cash holdings or credit line. They then take that check and send it to the issuing bank to clear it in order to get the funds transferred from that bank to them(your bank). When your bank found out from the issuing bank that the check was fraudulent and did not clear to have the funds released from the issuing bank, they will go back to your account and take back the money they deposited in advance to the check actually clearing with the issuing bank.

 

[AdamSnow]

No, I take any money that clears...

 

[SilentZero]

Nigerian scams is old news, your fault for not ending the transaction as soon as he said he was from there. And yes I was aware that a bank will cash your check and a month later it will come back bad. Happened to me 8 years ago, so thats why I no longer take checks. And I do believe you must be gullible to deal with what sounded like such an obvious scam.

 

[dullard]

Originally posted by: ManyBeers
They have up to a year. You would wait them out huh. When have you ever done this.

Like I said, I would never have accepted a check like that in the first place.

 

[ManyBeers]

Originally posted by: SampSon

What did my bank "clear" if not with the issuing bank. What does "clearing" a check mean?

The bank cleared the funds to be deposited into your account from their cash holdings or credit line. They then take that check and send it to the issuing bank to clear it in order to get the funds transferred from that bank to them(your bank). When your bank found out from the issuing bank that the check was fraudulent and did not clear to have the funds released from the issuing bank, they will go back to your account and take back the money they deposited in advance to the check actually clearing with the issuing bank.

Thanks for telling me what i alresdy learned. So the check did NOT clear even though they say it did. In other words they misled me about the true nature of what was going on. What they didn't tell me(or anybody else who isn't aware of it)... is the money has been credited to your account because we have "cleared" the check, but It may come back up to a year from now because we found out the check didn't "clear".

To be fair, like I said the bank teller did explain this to me, and I lost no money. But he shouldn't of had to , because i can't comprehend how this is legal.

 

[SithSolo1]

Originally posted by: ManyBeers
I will show relevance soon

It's like a fortune cookie:

"Relevance shall soon be revealed."
Your Lotto #'s 2 3 6 15 24 45

 

[ManyBeers]

Originally posted by: SilentZero
Nigerian scams is old news, your fault for not ending the transaction as soon as he said he was from there. And yes I was aware that a bank will cash your check and a month later it will come back bad. Happened to me 8 years ago, so thats why I no longer take checks. And I do believe you must be gullible to deal with what sounded like such an obvious scam.

You don't take checks huh. How do you get paid. Doyou write checks?

 

[SilentZero]

Originally posted by: ManyBeers

Originally posted by: SilentZero
Nigerian scams is old news, your fault for not ending the transaction as soon as he said he was from there. And yes I was aware that a bank will cash your check and a month later it will come back bad. Happened to me 8 years ago, so thats why I no longer take checks. And I do believe you must be gullible to deal with what sounded like such an obvious scam.

You don't take checks huh. How do you get paid. Doyou write checks?

I haven't recieved a check for work in over 9 years. Its called DIRECT DEPOSIT! Ever heard of it? :roll: That one instance I took in a check from an individual (from a fellow soldier at the time) about 8 years ago, I got screwed. So no checks unless its from family.

I don't write checks either. Its been years since I wrote a check. I have allotments for my bills, and I use my credit/debit card for everything else.

 

[ManyBeers]

Originally posted by: SilentZero

Originally posted by: ManyBeers

Originally posted by: SilentZero
Nigerian scams is old news, your fault for not ending the transaction as soon as he said he was from there. And yes I was aware that a bank will cash your check and a month later it will come back bad. Happened to me 8 years ago, so thats why I no longer take checks. And I do believe you must be gullible to deal with what sounded like such an obvious scam.

You don't take checks huh. How do you get paid. Doyou write checks?

I haven't recieved a check for work in over 9 years. Its called DIRECT DEPOSIT! Ever heard of it? :roll: That one instance I took in a check from an individual (from a fellow soldier at the time) about 8 years ago, I got screwed. So no checks unless its from family.

Do you write checks???