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Someone wrote me a bad check....

Scarpozzi

Scarpozzi

Lifer
Well, I had a roommate that wrote me a bad check in February. I deposited it, it bounced and I was billed $5 for the transaction.

The bank returned the check to me with a letter.
Can I try to cash this check again or do I need to get a new check from her?

Thanks,

-Scar
 
Originally posted by: Mike
Originally posted by: GMI
you can cash the old one again. Make sure she has the fund in the account of course 😛
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You sure? Maybe I am confused, but I thought the banks void bounced checks.
Click to expand...

I was able to re-deposit a check that came back as NSF.
 
Originally posted by: Mike
Originally posted by: GMI
you can cash the old one again. Make sure she has the fund in the account of course 😛
Click to expand...

You sure? Maybe I am confused, but I thought the banks void bounced checks.
Click to expand...

It might vary from state to state, but here in California, I can keep cashing bounce checks...the most I ever done was cashing one that bounced twice 🙁
 
Originally posted by: Nutdotnet
Originally posted by: Mike
Originally posted by: GMI
you can cash the old one again. Make sure she has the fund in the account of course 😛
Click to expand...

You sure? Maybe I am confused, but I thought the banks void bounced checks.
Click to expand...

I was able to re-deposit a check that came back as NSF.
Click to expand...

Hmm, don't know why I thought you couldn't then. 😕
 
Originally posted by: Mike
Originally posted by: Scarpozzi
Originally posted by: Mike
You need to get a new check, and make sure the deadbeat covers the $5 too.
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Can I not cash the old one?
Click to expand...

No, look at it. Your bank voided it.
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No, they didn't. He can re-present it to the bank as often as he wants for 6 months. It's just he will have to pay that $5 fee every time it bounces. But then again, the issuer who wrote him the bad check will have to pay their bank even more each time.
My advice would be for him to regularly call the automated system of the bank it was written from to verify funds in the account, then re-present it at a time when the funds are there.
 
Originally posted by: kt
Someone wrote you a check in February and you are only cashing it now?!?
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Heh. Nice catch. Surely that can't be the reason that it bounced now could it? 😉

Problem there is that the 6 months is from date of original issuance, so he only has another 2 months if that. Plus, it could have bounced because the account had been closed between now and then. In which case, he'll want to contact his old roomate and will need a new check.
 
Yes, I believe you can submit them twice; second time, make sure the money is in their account first. Also, for what it's worth, at some stores, if you bounce a check, they can now debit your account the moment the money is available. (can't remember the name of the service that does this)
 
Best answer...call your bank.

My wife got several checks that bounced when she was an Avon lady. She always made the person cover her bank charges as well as the check itself. USUALLY, you can re-deposit the check, but if it bounces again, you'll get charged again. Also, often, the fees will go up after a certain number of bad checks. Each bank is different in that respect however, so...call your bank.
Here in Kahleeforneeya, the law says:

"Writing a check without sufficient funds may be a crime. If you believe you were a victim of criminal conduct, you should bring the matter to the attention of the police department, sheriff's office or the district attorney in the county where the alleged conduct took place.

California Civil Code section 1719 allows the receiver of a bad check to recover three times the amount of the check, up to $1500, in civil court if sufficient notice is mailed or delivered to the person who wrote the check. The damages are in addition to collecting the value of the check and they could include court and mailing costs. A cause of action under this law may be brought in small claims court, if the claim does not exceed $5,000, or in any other court of jurisdiction depending on the amount of the transaction."

My wife had to only threaten one customer who bounced a check and drug her feet about covering the charges...Once the lady saw this...she paid on the spot.
 
Thanks for all the replies.

I'm in Tennessee. Basically, the girl moved as soon as she bounced the check. I have stayed in contact with her and she told me that she would pay me as soon as she could come up with the funds. I gave her the benefit of the doubt because she had always been trustworthy before.

I just wanted to confirm that the check could be cashed legally and it's good to hear that others have done this before. Thanks.

-Scar
 
Originally posted by: DrPizza
Yes, I believe you can submit them twice; second time, make sure the money is in their account first. Also, for what it's worth, at some stores, if you bounce a check, they can now debit your account the moment the money is available. (can't remember the name of the service that does this)
Click to expand...

This is called ACH (Automated Clearing House). This is the same system that allows you to accept checks over the phone. Of course, you have to have a system set up with a merchant account, etc. This is viable if you are a business.

 
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