The check that I cashed I didn't know was bad untill after they cleared it?

Question

I didn't know that check was bad untill my bank called and told me. When I got the cashier's check . It looked legit and even had a handwritten sigutare on it..I have offered to pay the check back over time...but they are talking bout getting the FBI in it..unless I can come up with the money.....I mean there was no letter and it came from the state that my family lived in...So I thought my dad sent it to me..I am praying that they don't get the FBI in this..I will pay the money back all of it$4950.00 I mean it might take me about 5 years but I have to take my time...Can everyone pray for me and hope that they will be easy on me knowing that I didnt know that the check was bad

Answer 1

What did you do with the the money ? Why dont you have it to give back to them ? How much time elapsed from when the check cleared the bank till your bank called to inform you that the check was bad? You thought your dad sent it hugh? did it have his name in the in the upper left corner? Did it have his address? Did you deposit the check or did you just cash it? Just thought you should brush up on your answers cause thats probably what the FEDS will ask you. Good Luck. One more thing.............. Sorry but i think im gonna have to call B**l Sh*t though i could be wrong

Answer 2

1. the check DID NOT clear. 'Cleared' means the bank the check was drawn on paid the bank were the check was deposited the amount of the check. That is obviously not what happened. I also want to know what happened to the money. $4950 doesn't just disappear. Returning whatever you bought with is should go a long way toward repaying the check. Even if they believe you are a victim in this case, the FBI will be involved. SOMEONE committed fraud. I frankly don't believe you received a check with no explanation at all. How could whoever forged the check benefit without having you send them something? You said you thought the check was from you dad, but you never asked your day about it? Sounds fishy to me. My bank always indicates on the face of a cashiers check who purchased the check. The REQUIRE that information so that if the check is not used for the intended purpose, the purchaser can return it to the bank.

Answer 3

Gosh that sucks. I have to wonder how you could not know who sent you this check and thought it came from your dad...

You much have spent all the money already too...? There are several scams going around involving the cashing of cashiers check by a third party... The best to do when dealing with any large amount of money is....

....well umm there really isn't any answer i can give you because the banks will "clear" it, tellers and representatives and online statements will be glad to tell you it "cleared" and then suddenly after its bad they will tell it never cleared and that they did you a great big favor by making the funds available to you.

You must bank with Wachovia! j/k! but not really...

Good luck with your problem, I hate to say the bank isn't likely to do anything for you, i've tried to do a lot of research in this area... nothing positive ever turns up for the little guy...

Your best bet is seeking legal advice but even then you most likely won't have a leg to stand on... but you should stand up for yourself anyways... everyone should!

This happens all the time... the banks usually don't care no matter who you are or how good your intentions.

I wish banking wasn't almost requisite for getting by these days....

Good luck and do the best you can!!!

Answer 4

The Norwegian Lottery Scam is done kind of this way, it involves a cashier's check, or money order. Maybe they just want to talk to you.