I deposited a check in my acct. and it was sent back because it was a 3rd party check signed over to me. I called the bank, they asked me to come in with the person that the check was written to so they could see their ID. We went in to the bank & they cashed the check for this person. 4 months later, I was depositing a check I received as payment for a job i did. The bank informed me it was frauduelent. I filed a police report. 2 weeks later I received a letter from the bank telling me that my acct was being debited for the amount of the 3rd party check that the person cashed thru me, at my bank, 4 months previous. When I called I was told that since I am now a criminal (because of the fraudulent paycheck) they are making me pay for the funds of the 3rd party check because it was returned unpaid to them. They never in formed me of this when it happened. How can they make me responsible now? They have called me a criminal, but aren't I a victim?
2006-08-12 20:18:34 · 6 answers · asked by ♥ Ruby ♥ 2 in Politics & Government ➔ Law & Ethics
The best thing you can do is try to retrieve your reciepts for your transactions. Go back to the bank that the first cheque was taken in, try to find the transaction and signature, whatever you can. A mark against your name can scar it long term.
2006-08-12 20:26:42 · answer #1 · answered by Chris 4 · 1⤊ 0⤋
well i deposit 3rd party checks in to my acct all the time, i just have them sign the back of it then i sign it and put my account # on it and then have them sign it again then i take out the amount think u should go into to bank and talk 2 the main person but go to the bank that you opened your account at, and tell them you are not payting for Shi*, and the teller that cashed the check had the correct informantion then needed like proof of I.D so it's there falut.. but why did the check your friend cashed not get payed back to the bank??? something is fishy about that....
but most banks charge a fee if something comes back unpaided.
2006-08-13 12:29:40 · answer #2 · answered by Deidre' 1 · 0⤊ 0⤋
OK this BANK is responsible not you. I would file a complaint and talk with the branch manager & district manager.
They cashed the check for the 1st person. That is where their mistake is. They are responsible NOT YOU!
With the second check, if they said it was fraudlent then they must PROVE it to you. Records, Court Documents etc.
I would definately FIND ANOTHER bank or Credit Union for all further banking matters.
What bank was this at?
2006-08-13 03:27:54 · answer #3 · answered by jennifersuem 7 · 0⤊ 0⤋
Must be the person's first check bounced!
No, they can't debit you if they cashed it for him and you deposited the money. Their recourse is with him, though it is easier to go after you as you have an account there!
That doesn't make you a criminal, but they can debit the amount of the second check!
If you are trying to pull a scam that is different!
2006-08-13 03:28:27 · answer #4 · answered by cantcu 7 · 1⤊ 0⤋
I would contact the Bank Manager and speak to them, and also speak to Security manager with the bank. Be insistant and also bring the copy of the Police report that you filed with the Local PD, that will help alot
2006-08-13 03:26:45 · answer #5 · answered by back2skewl 5 · 1⤊ 0⤋
I think I would contact the Banks Legal Dept.- or maybe even the police dept -- something is not right with this picture --
2006-08-13 04:00:28 · answer #6 · answered by ibelieve 4 · 0⤊ 0⤋