I think my friend wrote me a bad check that I cashed for her and it bounced but she denies that. She says that she has enough funds for the check to go through. Would I be able to go to her bank and ask them if her check bounced or what's going on with her check? It's causing me more problems than I can handle right now !
2007-12-11 05:40:43 · 29 answers · asked by freakette85 2 in Business & Finance ➔ Personal Finance
I kept asking my bank why her check didn't clear and they won't give me a straight answer if it bounced or not. My friend claims that her bank didn't recognize my name after I cashed it and that they didn't even try to put the check through. I think she's lying through her teeth...that's why I want to go to her bank and ask them cause my bank won't tell me exactly why it didn't go through.
2007-12-11 06:24:11 · update #1
And no , I haven't received the original check in the mail yet and it has been about 3 or 4 days, since last Friday.
2007-12-11 06:26:00 · update #2
Sounds like your friend just screwed you over good. I'm not sure if you can ask her bank, but you can definitely ask your bank as they would have gotten a reason for why the check bounced. Take her to small claims court for everything including every fee you incurred!
2007-12-11 05:44:03 · answer #1 · answered by Anonymous · 1⤊ 0⤋
If it bounced, she did not have the cash in her account at the time to cover the check. She may have it now, but it has already cost you a bounced check fee. Not to mention the money that you're out of. You might get an answer from her bank on it, but you would most likely have to talk to the bank's manager, not a teller. You can take it to her bank and see if it's "good" now, but you still need to collect the bounced check fee from her. Good luck with that. Next time don't cash checks for her. A true friend would never screw you out of money like that.
2007-12-11 05:50:02 · answer #2 · answered by Lola 6 · 0⤊ 0⤋
Not only can you take him to small claims court, you can make an appointment with the local DA, present the check, and request that charges be filed against this person. In some states it's considered a very serious offense. Another thing you can do is take the check directly to his bank and present it for payment. If there are not enough funds they'll refuse to cash it but you will not be charged. The beauty of this is that you can wait until his pay day, or until the day his rent is due, and get the money before he has a chance to use it or before his check to his landlord has a chance to clear.
2016-04-08 08:36:46 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If the check came back with Insufficient funds, show it to her. Make sure your account had enough to cover it, but her bank will not be able to give you that information. It will, however, show up on your statement, you can go to your bank and ask for the copy of the check with NSF written on it. It is best to have your proof in hand when you talk to her. The bank will be able to print out a statement for you as well. If she doesn't pay you back , plus the charges you incurred, think about small claims court.
2007-12-11 05:46:52 · answer #4 · answered by Robin B 5 · 1⤊ 0⤋
Ask the place that it bounced (your bank? The store?) why it bounced. If it was for insufficient funds, she can be held liable for any fees that bad check incurs. She may have put the funds in there after the check went through. Her bank may or may not be able to answer those questions, due to privacy laws. Go ahead and ask them, the worst thing they can tell you is they can't release the information. They might even be able to help you.
2007-12-11 05:45:30 · answer #5 · answered by oj 5 · 0⤊ 0⤋
Make a copy of the check and show the bounced check to your friend. Ask her for cash instead. If she still refuses to cooperate then either take her to small claims court or give her up as a friend. She seems a bit flakey anyway. Sometimes something like this is a warning of worse rip offs to come. Until it is resolved don't let her into your home or near your valuables.
2007-12-11 05:49:32 · answer #6 · answered by yuvid6 4 · 1⤊ 0⤋
Go to your own bank and ask them to please check why it bounced. I am presuming you had deposited it in your own bank. They do give a reason why it bounced. Her bank provides your bank that info.
Then make a copy of that slip and show her . I say 'copy' so the main slip is safe if you need to take further action.
It is against law to give a dud check.
Her bank will not give you any information.
If it is not a small amount, you have to work on it to get the amount. Do not lose your cool.
I wish you luck.
2007-12-11 06:28:15 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Yes they will. I take my child support checks to his bank. If there is money in his account they will cash the check on the spot. You don't have to have account with the bank, just that the check you are cashing is from that bank. If there isn't enough funds in the account to cover the check they won't cash the check.
2007-12-11 05:47:10 · answer #8 · answered by LOTR grl 4 · 2⤊ 0⤋
you do not need to go to her bank..You know it bounced your bank already proved that just show her the proof that you have from your bank..That's all you would need if you took her to court and if that's what a judge needs,then i think that it is pretty clear..If you do take this to court you will get all the bank fees back as well..Because even though she wrote the check you paid for it as soon as you cashed it at you bank in your account..
2007-12-11 05:49:50 · answer #9 · answered by wintairi 3 · 0⤊ 0⤋
Most banks will not allow verification of funds anymore. The proof is going to come from your bank when they send the check back to you and your account is already in trouble if you spent the money. Check your account and see if that deposit is what caused the problems. If it is, make her pay all of the fees associated with the returned check and a returned check fee. If she refuses to pay, you can always file with your county clerk/hot check division.
Good luck!
2007-12-11 05:49:46 · answer #10 · answered by Tammi B 3 · 0⤊ 0⤋