Someone wrote me a bad check?

Question

The person wrote me a bad check that I deposited in my bank account. Since the bank cleared the check, I assumed everything was alrighty. today I was shocked to see that I was 700 over drawn in my bank because that check bounced and I needed to pay bills with that check. The bank even took my paycheck to pay for the overdraft fees. I live in the State of California. Does anyone know the laws for getting that money back? Cant the bank do something about it?

Answer 1

When you sign the back of the check you are taking recourse for the check. You can go back to the person to get another check. This time I would insist on a cashier's check or I would take it to their bank and cash it there first, so you know it won't bounce, and then deposit the cash in your account. This is all you can do.

Answer 2

First I would go to the bank and speak with a manager/supervisor and see what they can do for you. Call the person and ask how they can correct the mistakes and have them not only pay for the bounced check but all the fees that were caused for being over drawn. If that doesn't work then I would take it to the District Attorney's office and file a complaint and see what they can do for you as well. Then I would also take it to court ask for the amount of the check, overdraft fees, court fees, if it applies DA's cost.

The bank should be part of the FDIC. Go through the chain of commands and work your way up. I wouldn't start at the top and work your way down, the judge will down upon you for going strait to him/her and not the source, the banks, the da's office, ect ect

Good luck, it sucks to have that kind of shock especially this time of year. Hope everything works out for you.

Merry Christmas

Answer 3

you have to get the money from the person who wrote the check.

GL

sounds like you fell for one of the popular scams.

your alternative is to present the check [assuming it is only "NSF" and not forged, bogus, stolen, etc.] directly to the bank on which it is drawn ... and to do so every day until either you get your money of the bank closes the account because of excessive bad activity.

Answer 4

report it to the states attorney == it is against the law to write a bad check and the person can go to jail == if they are facing jail they will be more likely to come up with the cash!!!!

Answer 5

lots hinges on the determination (to be made) by way of the companies that have been the recipients of the undesirable exams. in the event that they chosen to coach it over to a collections enterprise, then you will finally acquire correspondence touching directly to a call for which you pay the debt. A business enterprise might do in basic terms that, and that they may additionally notify regulation enforcement. Mere notification of regulation enforcement does not inevitably advise which you will finally end up with a warrant on your call. some communities - regularly at district criminal expert's workplaces - have classes designed to induce you to pay the undesirable debt in lieu of the opportunity of greater drastic measures, alongside with a criminal criticism. it incredibly is performed with the aid of correspondance to you in addition to might, and that is designed to elicit your cooperation, extremely than pull the criminal rug out from under you all of sudden. it could be suited in case you ought to take a expert-lively step of contacting the affected lenders and artwork out some way of coming up solid on the debt. that should do wonders for curtailing the different concepts they might convey to apply. The worst step could be to attend and don't something. to fulfill your maximum prompt interest as to whether a warrant has been issued for you (i'm guessing that it hasn't or you've gotten already had some form of correspondance warning that certainly one of those step is being taken) then call your community police branch and ask in the event that they might verify your call and date of start please, considering the fact which you are attempting to make certain some charge subject concerns and you're uncertain if everybody complained, yet while they did, you ought to comprehend the total scope of what you ought to guard. no person is going to seek for you out from a telephone inquiry. people call regularly touching directly to issues like that. you could as nicely bypass to Texas to your trip, yet for peace of ideas, make the inquiring telephone call first. And afterwards, think of heavily approximately taking that first step in direction of paying off the debt and removing one greater of existence's concerns.

Answer 6

Report it to the police and file a lawsuit in small claims court.