Collarspace Discussion Forums


Home  Login  Search 

i bounced a check


View related threads: (in this forum | in all forums)

Logged in as: Guest
 
All Forums >> [Casual Banter] >> Polls and Other Random Stupidity >> i bounced a check Page: [1]
Login
Message << Older Topic   Newer Topic >>
i bounced a check - 11/21/2006 12:46:35 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		poof $30!


i hate that- i hope it was just 1!!!!!!
Profile   Post #: 1
RE: i bounced a check - 11/21/2006 1:01:02 PM   
JerseyKrissi72


Posts: 10238
Joined: 8/21/2006
From: Reed City, Michigan
Status: offline 		I play "beat the bank" alot..writing checks and hoping I get the money in there before the check clears lol..hope it was only one for u too hon

(in reply to pahunkboy)
Profile   Post #: 2
RE: i bounced a check - 11/21/2006 1:19:27 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		my freind Jenny takes cash- separates it into envelopes, gets money orders. cased closed. since she lectured me on her way- 3 yrs ago- ive had 3 bounced checks.

her way is better. but i guess i pay for convenience.

(in reply to JerseyKrissi72)
Profile   Post #: 3
RE: i bounced a check - 11/21/2006 1:20:34 PM   
LotusSong


Posts: 6334
Joined: 7/2/2006
From: Domme Emeritus
Status: offline 		When I get hit with a late charge, I call the bank or wherever and explain WHY it was late. They will listen to reason.  I had a check clear just the day after  the end of the grace period for my credit card.
 
They removed my 3.9% rate and upped it to 11%.  I called and  had them check my account and see that I've been paying on the same day every month for some tine.. this was a fluke that I didn't catch because of the weekend it fell on.  They removed the $39 late fee and returned my percentage to 3.9%

(in reply to pahunkboy)
Profile   Post #: 4
RE: i bounced a check - 11/21/2006 1:38:45 PM   
GMRTGS


Posts: 47
Joined: 8/29/2005
Status: offline 		Hello, all I hope everyone is well. Down here in sunny Florida if you get hit with more then two bounced checks or over drafts within  a three year period, they now turn it over to the District Atty's office for prosecution whether you pay them or not. Here it is now a class three felony with up to a year in prison. There is no such thing as a float between when a check is written and when one is called on.  Unlike many years ago, Banks now automatically place electronic holds on checks just like they do on EBT and Credit transactions,  the lead time used to take up too a week to clear a check now it is less then 12 hours. If you use a check at the local Wal-mart or other large retailer they will clear the check in less then two hours.They clear the check electronically and then allow it to pass through the paper processing through their normal clearing house. This way they are not held accountable by the Feds with their funds availability compliance.  

< Message edited by GMRTGS -- 11/21/2006 1:40:12 PM >

(in reply to LotusSong)
Profile   Post #: 5
RE: i bounced a check - 11/21/2006 1:47:47 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		OMG!  that is astounding!!!!!


(in reply to GMRTGS)
Profile   Post #: 6
RE: i bounced a check - 11/21/2006 1:49:57 PM   
LaTigresse


Posts: 26123
Joined: 1/15/2006
Status: offline 		Thank god for overdraft protection!

_____________________________

My twisted, self deprecating, sense of humour, finds alot to laugh about, in your lack of one!

Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

(in reply to pahunkboy)
Profile   Post #: 7
RE: i bounced a check - 11/21/2006 1:57:39 PM   
JerseyKrissi72


Posts: 10238
Joined: 8/21/2006
From: Reed City, Michigan
Status: offline 		it sucks being poor

(in reply to LaTigresse)
Profile   Post #: 8
RE: i bounced a check - 11/21/2006 2:13:23 PM   
KatyLied


Posts: 13029
Joined: 2/24/2005
From: Pennsylvania
Status: offline 		Does your bank have on-line banking?  I can check my balance any time and that's a good way to keep track of when you may go into overdraft.


_____________________________

“If you want to live a happy life, tie it to a goal, not to people or things.”
- Albert Einstein

(in reply to JerseyKrissi72)
Profile   Post #: 9
RE: i bounced a check - 11/21/2006 5:37:52 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		i can check it by phone,. appaarently a debit swipe thru it off.

(in reply to KatyLied)
Profile   Post #: 10
RE: i bounced a check - 11/22/2006 4:58:36 AM   
siamsa24


Posts: 2426
Joined: 2/2/2004
Status: offline
quote:

ORIGINAL: LaTigresse

Thank god for overdraft protection!


YES! It is worth the $3 a month or whatever it is. 

And after a few times I talked to my bank and figured something out.  It takes 24 hours for a withdrawal to post to your account and 48 to 72 hours for a CASH deposit and longer for a check deposit to post.
It may be worth looking into at your bank.

(in reply to LaTigresse)
Profile   Post #: 11
RE: i bounced a check - 11/22/2006 5:17:28 AM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		as a  courtesy= teh credit union, paid it so others would not bounce.

when banks started changing thier names and raising fees - i went to a credit union.

(in reply to siamsa24)
Profile   Post #: 12
RE: i bounced a check - 11/22/2006 7:49:13 AM   
candystripper


Posts: 3486
Joined: 11/1/2005
Status: offline 		Pahunkboy, ask the bank assistant manager to waive the $30 fee; and be sure to tell the merchant to redeposit the check.  Usually they will.

candystripper

(in reply to pahunkboy)
Profile   Post #: 13
RE: i bounced a check - 11/22/2006 9:39:39 AM   
missturbation


Posts: 8290
Joined: 2/12/2006
From: another planet
Status: offline 		i bounce checks all the time lol
me and the bank manager are on first name terms.
he thinks i should stop buying shoes *tut*

_____________________________

What you don't witness with your eyes, don't witness with your mouth. Proverb.

If it fit's in a toaster, i can cook it.

Buying 10 item's or less is not shopping !!

(in reply to candystripper)
Profile   Post #: 14
RE: i bounced a check - 11/22/2006 12:32:51 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline
quote:

ORIGINAL: candystripper

Pahunkboy, ask the bank assistant manager to waive the $30 fee; and be sure to tell the merchant to redeposit the check.  Usually they will.

candystripper



technically they dont want me as a member. when i filed chapter 7 they were a creditor- doing so voids any membership. HOWEVER, since i never took my exes name off of the 2nd account- im still in. at least my ex is good for somethiing! [held be mad if he knew...lol]

(in reply to candystripper)
Profile   Post #: 15
RE: i bounced a check - 11/22/2006 12:36:21 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		PS- i purposefully leacve $5 in a savings acct- so should i die- he gets my "assets" LOL!

(in reply to pahunkboy)
Profile   Post #: 16
RE: i bounced a check - 11/22/2006 9:40:33 PM   
MistressTexas


Posts: 425
Joined: 5/30/2006
Status: offline
quote:

ORIGINAL: missturbation

he thinks i should stop buying shoes *tut*


Blasphemy!!! Utter blasphemy!

Anyway.. :P.. We can't even pay for stuff at stores with personal checks up here... I think you can at Costco if you're a member, but thats the only one I know of.

(in reply to missturbation)
Profile   Post #: 17
RE: i bounced a check - 11/22/2006 11:13:44 PM   
NeedToUseYou


Posts: 2297
Joined: 12/24/2005
From: None of your business
Status: offline 		I used to play that game, Until it cost me 200 dollars. Check then small debits, like sodas, and crap I don't anymore. I never run the account under 500.00 now. No way, I was so pissed and I had an account with them for I think 4 years at the time, and cash in hand to pay it the very next day. Banks are dicks, best to play it safe if you have to deal with them.

(in reply to pahunkboy)
Profile   Post #: 18
Page:   [1]
All Forums >> [Casual Banter] >> Polls and Other Random Stupidity >> i bounced a check Page: [1]
Jump to:





New Messages No New Messages
Hot Topic w/ New Messages Hot Topic w/o New Messages
Locked w/ New Messages Locked w/o New Messages
 Post New Thread
 Reply to Message
 Post New Poll
 Submit Vote
 Delete My Own Post
 Delete My Own Thread
 Rate Posts




Collarchat.com © 2025
Terms of Service Privacy Policy Spam Policy

0.109