Canceling a post dated check....?

Question

I post dated a check for Tuesday to an online college and just found out that it had a lot of bad press.... outdated materials and so on. I definately learned my lesson! My question is since I cancelled the postdated check (which they encouraged me to write anyways) can they still deduct money from my checking account? I didn't give them anything on my debit card just that one particular check (over the phone). Also since I didn't sign anything OR recieve any materials (since materials weren't going to come until check was cleared anyways) can they hold me responsible for anything? I would think not considering I signed NOTHING. Thanks.

Answer 1

If you cancelled the check with your bank and your bank pays the check anyway, your bank will have to refund your money.

Answer 2

Make sure you had enough money in the account to cover the check. If they think you just cancelled it because it was going to bounce, they can pursue it as a bad check.

Answer 3

If you put a stop payment on the check, the on-line college CAN sue you for breach of contract. You RECORDED authorization to draw from your checking account is legally equivalent to a signature on the contract.

PS. A verbal authorization is NOT post-dated.