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YAFinanceT: OMG... I'm soooooooo screwed

I

Ilmater

Diamond Member
So I got a call from my apartment manager about a month ago saying that they might not have received one of my rent checks. Not good. I don't have another $700+ to give away.

So I call the bank and they tell me that the check cleared and they even print me out a copy of the check. Phew! Thank god.

Then today I check my account and notice it's quite a bit lower than it should be. OK, it's because my rent check cleared earlier than I thought it would. No biggie. But wait, that's not this month's check.

So yeah, apparently even though they told me it cleared and even printed out a fvcking picture of the thing, it never did and the apartment people were right. I haven't called them yet, but as usual I'm sure they're right. It's the bank. You never win against the bank. I really don't know what I'm going to do. I don't have the money for my next car insurance payment, nor will I have the money for my next rent payment. I'm assuming that it was never taken out of my account last October and I just never noticed it.

Moral of the story: BALANCE YOUR CHECKBOOKS PEOPLE!!!
 
Originally posted by: iwantanewcomputer
Originally posted by: Hankerton
sounds like you need a CC stat
Click to expand...

yay for paying 20% interest until you find other things to stop paying for
Click to expand...

you only pay the 20% interest if you are a complete retard.
 
I had something similar happened... cashed my payroll check in December, and the next month payroll starts asking me if I cashed it. I said yeah, I would've noticed if I hadn't gotten a paycheck. Eventually I had to make a copy of the deposit slip and send it to payroll to prove it had been deposited
This happened around the same time we switched from our old accounting system to one at our sister company's, so they closed the account the payroll check was drawn on. A couple days later, the check finally cleared--except the account was closed, so they withdrew the entire thing from my account.
Even though the problem arose from my bank taking over three months to actually clear the check (while telling me everything was fine) they still hold that they are not responsible. Luckily I have a good payroll department who reimbursed me for the NSF fees.
 
Originally posted by: Kev
Originally posted by: iwantanewcomputer
Originally posted by: Hankerton
sounds like you need a CC stat
Click to expand...

yay for paying 20% interest until you find other things to stop paying for
Click to expand...

you only pay the 20% interest if you are a complete retard.
Click to expand...

judging by his username, i would venture to guess that he is a complete retard....
 
The bank got the check, but never took the money out of your account? Then they really didn't harm you. I don't understand what you want the bank to do.
 
Online banking with copies of scanned checks pwnz j00!

I always check my online banking a few days after mailing the rent check.
 
I can't remember the last time I balanced my checkbook. Then again, I write 3 checks/month and check my debit withdrawals often...

Online checking is the best.
 
I use Quicken - I am balanced everday. In fact, I just checked about 20 minutes ago and the numbers in Quicken all match my credit card, checking, and savings account balances.
 
Originally posted by: kranky
The bank got the check, but never took the money out of your account? Then they really didn't harm you. I don't understand what you want the bank to do.
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Are you fvcking serious? How about cashing the check somewhere with a SIX MONTH TIMEFRAME?!
 
I stopped balancing my checkbook the moment online banking was available at my credit union.

I am also curious as to how you missed having +$700 in your account for a period of time.
 
Originally posted by: Ilmater
Originally posted by: kranky
The bank got the check, but never took the money out of your account? Then they really didn't harm you. I don't understand what you want the bank to do.
Click to expand...
Are you fvcking serious? How about cashing the check somewhere with a SIX MONTH TIMEFRAME?!
Click to expand...

Yes, I'm serious. I'm not defending the bank because they clearly screwed up, but I don't understand what harm it caused you. They didn't take the money from your account. Your landlord apparently thought he was paid (and even though he wasn't, it wasn't your fault, nor does your landlord apparently blame you).

So you still have the money, and now that the error has come to light, you pay. No penalties, right? What do you think the bank ought to do?

The person who got screwed was the landlord, if anyone. He deposited your check and never got the money.
 
Originally posted by: kranky
The person who got screwed was the landlord, if anyone. He deposited your check and never got the money.
Click to expand...

Well he probably had the money, it probably just wasn't "available".
 
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