What should I do about this?

[D1gger]

I can't believe how irresponsible people seem to be with money. When I write a cheque, I deduct the money from the account balance immediately. There is no way in hell that the OP is responsible for any portion of the bounced cheque, his bank fees or her bank fees. If he wants to be nice he could agree to payment terms to allow her to repay bounced cheque, and the $7 fee isn't such a big deal, but she should be responsible for repayment. No amount of hectic lifestyle justifies stiffing a friend / roommate for rent.

 

[MichaelD]

There are way too many IGNORANT 20-something's in this thread. The only posters in this thread (including the OP) that know their ass from their elbow are BoomerD, lxskllr, nickbits and RadiclDreamer. The OP is not responsible, nor should he offer to repay, any kind of late fee/bank fee/20-something-slacker-fee for his friend that was late on the rest.

If you wanna give away money, PayPal it to me, please.

Going by what everyone has posted in this thread, it's easy to see who actually understands how to balance a checkbook and who does not. Allow me to put it into terms the majority can understand (Goofus and Gallant, anyone?):

RIGHT
/bank account online shows $500
I can't have $500! I wrote a check last week for $300..it'll probably cash soon so I should just act like I have only $200.

WRONG
/bank account shows $500
W00t! I guess dickwad didn't find my check...word'em'up-yo! I gots me teh money'ssss!!!!! It's not my fault if he didn't cash my check. I left it for him...inside the newspaper...inside the magazine under the couch. If he didn't find it, THAT'S NOT MY FAULT!!!111!!11!!!!

:roll: The latter is what's wrong with this thread, this IBB and America as a whole.

We need to get back to The Age Of Responsibility.

/thread

 

[illusion88]

Originally posted by: Epic Fail
:camera:'s?

and what's with the calling, you are collecting rent from her to pay the landlord, but you don't see each other?

Well shes at work and I'm at home so we use cell phones to keep in contact with eachother. I just found out about this when I checked my bank account this afternoon, haven't had time to see her in person yet.

While she should keep better track of the checks she writes it was a douche move to keep the check for so long. The landlord used to do that to me, sometimes holding on to two months at a time. I always knew not to dip below a certain line but it always irritated me. So now I pay him with a Western Union money order.

I've had problems with this in the past, and it sucks. I write a ton of checks, power, gas, water, cell, car payment, insurance, CC bills etc... and I always make sure to have the funds to cover each one.

I gave her till the 24th to pay the missing rent. I also said I would cover her fees but the bank reimbursed them already.

 

[compman25]

Originally posted by: MichaelD
There are way too many IGNORANT 20-something's in this thread. The only posters in this thread (including the OP) that know their ass from their elbow are BoomerD, lxskllr, nickbits and RadiclDreamer. The OP is not responsible, nor should he offer to repay, any kind of late fee/bank fee/20-something-slacker-fee for his friend that was late on the rest.

If you wanna give away money, PayPal it to me, please.

Going by what everyone has posted in this thread, it's easy to see who actually understands how to balance a checkbook and who does not. Allow me to put it into terms the majority can understand (Goofus and Gallant, anyone?):

RIGHT
/bank account online shows $500
I can't have $500! I wrote a check last week for $300..it'll probably cash soon so I should just act like I have only $200.

WRONG
/bank account shows $500
W00t! I guess dickwad didn't find my check...word'em'up-yo! I gots me teh money'ssss!!!!! It's not my fault if he didn't cash my check. I left it for him...inside the newspaper...inside the magazine under the couch. If he didn't find it, THAT'S NOT MY FAULT!!!111!!11!!!!

:roll: The latter is what's wrong with this thread, this IBB and America as a whole.

We need to get back to The Age Of Responsibility.

/thread

And before the age of atm's, computers, and online bill pay we were quite capable of paying our bills, keeping track of our money and not spending that which has already been spent.

 

[erub]

Originally posted by: illusion88

Originally posted by: Epic Fail
:camera:'s?

and what's with the calling, you are collecting rent from her to pay the landlord, but you don't see each other?

Well shes at work and I'm at home so we use cell phones to keep in contact with eachother. I just found out about this when I checked my bank account this afternoon, haven't had time to see her in person yet.

While she should keep better track of the checks she writes it was a douche move to keep the check for so long. The landlord used to do that to me, sometimes holding on to two months at a time. I always knew not to dip below a certain line but it always irritated me. So now I pay him with a Western Union money order.

I've had problems with this in the past, and it sucks. I write a ton of checks, power, gas, water, cell, car payment, insurance, CC bills etc... and I always make sure to have the funds to cover each one.

I gave her till the 24th to pay the missing rent. I also said I would cover her fees but the bank reimbursed them already.

Why do you write so many checks? Haven't you heard of online billpay?

 

[Mo0o]

Well... i wouldnt confront her over the $7. Just ask her to have enough money for the actual rent check and let it be done. She can deal w/ the fees on her end

 

[Ns1]

Originally posted by: Chiropteran
It's her fault, 100%.

this.

failure to balance a checkbook is not the OP's problem.


I'd pay the $7 fee on your end though out of goodwill.

 

[waffleironhead]

Originally posted by: Chiropteran
It's her fault, 100%.

It is her responsibility to watch her finances.

 

[RaistlinZ]

Sorry dude, but this is your fault. She did her part and paid on time. She had the money when she gave you the check, and you failed to cash it. The only one not being responsible here is you. She paid on time like she was supposed to.

 

[Ns1]

Originally posted by: RaistlinZ
Sorry dude, but this is your fault. She did her part and paid on time. She had the money when she gave you the check, and you failed to cash it. The only one not being responsible here is you. She paid on time like she was supposed to.

It is not consider paid if the check bounced; she spent money she didn't have after she wrote the check.

 

[RaistlinZ]

Originally posted by: Ns1

Originally posted by: RaistlinZ
Sorry dude, but this is your fault. She did her part and paid on time. She had the money when she gave you the check, and you failed to cash it. The only one not being responsible here is you. She paid on time like she was supposed to.

It is not consider paid if the check bounced; she spent money she didn't have after she wrote the check.

No, she spent money she thought she had 30 days after writing the check, because only a fool keeps a person's check for a month without cashing it.

 

[BoomerD]

Originally posted by: RaistlinZ

Originally posted by: Ns1

Originally posted by: RaistlinZ
Sorry dude, but this is your fault. She did her part and paid on time. She had the money when she gave you the check, and you failed to cash it. The only one not being responsible here is you. She paid on time like she was supposed to.

It is not consider paid if the check bounced; she spent money she didn't have after she wrote the check.

No, she spent money she thought she had 30 days after writing the check, because only a fool keeps a person's check for a month without cashing it.

Wrong. Perhaps the OP didn't need the funds immediately.

Hell, I used to have several weeks worth of paychecks around at one time. The payroll clerk used to have to ask me to deposit them so he could balance the company's payroll checking account...

While I agree that the OP SHOULD have deposited the check upon receipt, not doing so immediately does not make him liable for her overdrafts, does not make him some kind of dick...or fool.
SHE is responsible for all bank charges, (his and hers) as well as the amount of the rent. If the OP wants to cover the charge at HIS bank...that's not an unreasonable accomodation to her, but he has no obligation to do so.

OP, is she one of those women who take the attitude:

"HOW can I be overdrawn? I still have checks?"

 

[Ns1]

Originally posted by: RaistlinZ

Originally posted by: Ns1

Originally posted by: RaistlinZ
Sorry dude, but this is your fault. She did her part and paid on time. She had the money when she gave you the check, and you failed to cash it. The only one not being responsible here is you. She paid on time like she was supposed to.

It is not consider paid if the check bounced; she spent money she didn't have after she wrote the check.

No, she spent money she thought she had 30 days after writing the check, because only a fool keeps a person's check for a month without cashing it.

Sorry buddy, that's not how checks work.

Try using that lame excuse in business and see how far it gets you.

 

[MotionMan]

Originally posted by: Chiropteran
It's her fault, 100%.

QFT.

I do not get how this is OPs fault at all. Why was it a douchebag to hold the check for a month - that money was not the roommates to spend anymore, it was OPs. The roommate should, at all times, have enough money to cover every check she writes. Otherwise, it is check fraud.

MotionMan

 

[Whisper]

It's definitely the roommate's fault, but after a month, it can be easy to lose track of what's been deducted and what hasn't, and to simply assume that a check you wrote a few weeks back has been cashed. Thus, I can see how she got her account into such a state that the check would have bounced.

That being said, again, it's ultimately her fault, and she should offer to pay you back for any and all bounced check fees.

However, I would suggest that in the future, if you've been holding onto a check for more than ~two weeks, you let the person know you're going to be cashing it before you actually do so.

 

[allisolm]

Originally posted by: RaistlinZ

Originally posted by: Ns1

Originally posted by: RaistlinZ
Sorry dude, but this is your fault. She did her part and paid on time. She had the money when she gave you the check, and you failed to cash it. The only one not being responsible here is you. She paid on time like she was supposed to.

It is not consider paid if the check bounced; she spent money she didn't have after she wrote the check.

No, she spent money she thought she had 30 days after writing the check, because only a fool keeps a person's check for a month without cashing it.

I do not predict a rosy financial future for you.

 

[MotionMan]

Originally posted by: Whisper
It's definitely the roommate's fault, but after a month, it's definitely easy to lose track of what's been deducted and what hasn't, and to simply assume that a check you wrote a few weeks back has been cashed. Thus, I can see how she got her account into such a state that the check would have bounced.

You write it in your checkbook and deduct it from your balance. It stays that way FOREVER.

Why would the passage of time cause any problems at all?

In fact, if it was truly 30 days, she should have noticed the problem when she reconciled her account after receiving her statement, as I am sure she does every month.

The roommate is 100% at fault.

MotionMan

 

[Whisper]

Originally posted by: MotionMan

Originally posted by: Whisper
It's definitely the roommate's fault, but after a month, it's definitely easy to lose track of what's been deducted and what hasn't, and to simply assume that a check you wrote a few weeks back has been cashed. Thus, I can see how she got her account into such a state that the check would have bounced.

You write it in your checkbook and deduct it from your balance. It stays that way FOREVER.

Why would the passage of time cause any problems at all?

In fact, if it was truly 30 days, she should have noticed the problem when she reconciled her account after receiving her statement, as I am sure she does every month.

The roommate is 100% at fault.

MotionMan

Honestly, for better or worse, I don't know many people who even use a checkbook nowadays given the popularity of online banking. And while online banking should theoretically make things easier to keep track of, if a supposed debit/check isn't on the current month's statement, some people might not think to look back a few weeks and see if it was actually applied/cashed.

Should the roommate have noticed that the check wasn't cashed and/or kept better track of her finances? Definitely. Does the OP need to let her know that he'll be cashing her check "late?" No, but it would be courteous to do so.

 

[MotionMan]

Originally posted by: Whisper

Originally posted by: MotionMan

Originally posted by: Whisper
It's definitely the roommate's fault, but after a month, it's definitely easy to lose track of what's been deducted and what hasn't, and to simply assume that a check you wrote a few weeks back has been cashed. Thus, I can see how she got her account into such a state that the check would have bounced.

You write it in your checkbook and deduct it from your balance. It stays that way FOREVER.

Why would the passage of time cause any problems at all?

In fact, if it was truly 30 days, she should have noticed the problem when she reconciled her account after receiving her statement, as I am sure she does every month.

The roommate is 100% at fault.

MotionMan

Honestly, for better or worse, I don't know many people who even use a checkbook nowadays given the popularity of online banking. And while online banking should theoretically make things easier to keep track of, if a supposed debit/check isn't on the current month's statement, some people might not think to look back a few weeks and see if it was actually applied/cashed.

Should the roommate have noticed that the check wasn't cashed and/or kept better track of her finances? Definitely. Does the OP need to let her know that he'll be cashing her check "late?" No, but it would be courteous to do so.

Fine. But the fault for the bounced check lies completely with the roommate.

MotionMan

 

[zinfamous]

She owes you money + sex

/thread.

 

[mugs]

She pays you $275
You pay the $7
She pays her $35 overdraft fee

It's not your fault the check bounced.

 

[MotionMan]

Originally posted by: mugs
She pays you $275
You pay the $7
She pays her $35 overdraft fee

It's not your fault the check bounced.

That is the most likely outcome. No sense crying over $7, though, technically, she should reimburse you for that.

Motionman

 

[JEDI]

Originally posted by: illusion88
So I have the lease for the house. There are three other people that live here, they pay me rent, I pay the landlord. This one girl, older then me, has a "more"stable job (I work for tips) can be a few days late sometimes. It's cool, I can cover her for about a week or something until she can write me a check.

So last month she writes me a check and I never cash it. I just never made it to the bank and I had enough in mine to pay the landlord. I know I know.... dick move. Especially when we are all hurting for money. I really have no excuse except I was lazy. So when she writes me a check this month I cash both of them, last months and the current one. One of them bounces and the funds are withdrawn from my account along with a $7 fee.

I know it was a major douchebag move to sit on the check like that, but now I am out $275. I called her and she said she was going to call her bank to see what is going on. I didn't tell her that I cached both checks, I will tell her when I call her again.

I guess I just have to tell her that I didnt cash the check for May until June....
Should I offer less money, eat the cost entirely?

We are all quit broke. I doubt between the four of us we have more than $3000 in our checking accounts combined. Money can be a sensitive subject around these parts.

you are a dick for not telling her you cashed both checks.

eat the $7 fee.
but she still owes u $275

 

[SonnyDaze]

Originally posted by: nakedfrog
Sounds like you just bought $275 worth of sexual favors

This. Fo sho.

 

[seemingly random]

Originally posted by: illusion88
... I doubt between the four of us we have more than $3000 in our checking accounts combined. Money can be a sensitive subject around these parts.

It's odd that you would know the balances of your roomates' checking accounts.