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Old 09-25-2019, 02:13 PM   #1
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Default Deposit Cheque Bounced

So this guy I was planning to work for in a few weeks’ 1/3rd deposit cheque bounced. I incurred a 7$ fee because of it, and when I contacted him, he said it was cause it’s a really old cheque.

Whether I believe him or not doesn’t matter to me, I can’t mess around with payments I don’t trust. So I told him that the only way I’ll keep his job in the books is if he pays me IN FULL before we start. So basically I’m putting the “trust” onus on him because his trust is shot. Trust me to do the work, cause I don’t trust you to pay in full now.

I explained this in much nicer terms of course.

Do you think I made the right call? Should I just have accept another form of 1/3rd deposit?

He seems pretty ticked at me now.
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Old 09-25-2019, 03:16 PM   #2
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IMO, you absolutely made the correct call. He has no right to be “ticked” at you because you are trying to cover your butt. If he won’t comply to your request, or does but still continues to be upset, take that as your cue to bail.

Of course it’s easy for me to recommend doing that. You have to weigh your choices depending on how much you may or may not need the job.
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Old 09-25-2019, 03:19 PM   #3
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I write very few checks, when I do write them I have to cross out the 19__, they have my old address and the old name of the bank but they still are cashed when I hand them out to people. (Usually to the kids school because they won't take etransfer) I find it hard to believe it was because it was a old check, unless you waited 6 months to cash it.

You can bring the next check to his bank and have it certified before you try to cash it. This way you know it won't bounce and you can keep trying until the money is there.
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Old 09-25-2019, 03:43 PM   #4
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I don't buy the it's an old cheque line whatsoever.


The guy being ticked about your response would definitely be a red flag for me. How big a job is this?
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Old 09-25-2019, 04:03 PM   #5
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I write very few checks, when I do write them I have to cross out the 19__, they have my old address and the old name of the bank but they still are cashed when I hand them out to people. (Usually to the kids school because they won't take etransfer) I find it hard to believe it was because it was a old check, unless you waited 6 months to cash it.

You can bring the next check to his bank and have it certified before you try to cash it. This way you know it won't bounce and you can keep trying until the money is there.
He would need to pay to certify it AND he would still need to be able to collect at the end. I'd bail. Sounds like a lot more trouble down the road a very short way!
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Old 09-25-2019, 05:01 PM   #6
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Itís funny how people forget the risk we incur whenever we start a new project.


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Old 09-25-2019, 05:29 PM   #7
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I think you spelled Czech wrong!
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Old 09-25-2019, 05:34 PM   #8
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Itís funny how people forget the risk we incur whenever we start a new project.


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Yup. I'm a OMS and certainly not a big operation. The other day I dropped over $1000 on paint for an upcoming job. Bigger job for me to be sure. Thankfully the customer is a lawyer who I've worked for several times.
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Old 09-25-2019, 08:26 PM   #9
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Thanks for all your feedback guys. Turns out the guy called me and his story adds up, he gave me a cheque from an old account that was closed and he immediately etransfered me the deposit to prove he had the money. We both got a little heated in the moment, but then realized we were both just trying to save our hide and keep the job on the books.

I’ll let you guys know if this ends up burning me in the end haha.
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Old 09-26-2019, 02:39 AM   #10
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Quote:
Originally Posted by SweetLu View Post
So this guy I was planning to work for in a few weeksí 1/3rd deposit cheque bounced. I incurred a 7$ fee because of it, and when I contacted him, he said it was cause itís a really old cheque.

Whether I believe him or not doesnít matter to me, I canít mess around with payments I donít trust. So I told him that the only way Iíll keep his job in the books is if he pays me IN FULL before we start. So basically Iím putting the ďtrustĒ onus on him because his trust is shot. Trust me to do the work, cause I donít trust you to pay in full now.

I explained this in much nicer terms of course.

Do you think I made the right call? Should I just have accept another form of 1/3rd deposit?

He seems pretty ticked at me now.
You're lucky because the returned check fee in the US is at $35.
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Old 09-26-2019, 08:44 AM   #11
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Although Iíve had zero uncollectables over the course of 34 years as a business owner without ever having to rely on the court system or other means to collect, I did have a builder once write me a bad check, the client dodging me on the issue for several weeks. I ended up stopping by the local state police barracks, the officer advising me to deposit the check again, and that if returned with insufficient funds 3xís, I could file charges and an arrest warrant would then be issued. He also informed me that I could file a civil suit, the payee being entitled to 7xís the face value, which has since been reduced to 2xís under the current state penal code. I redeposited the check 2 more times, the check being returned both times with insufficient funds. I ended up calling the client from the local police station giving him 1 hr to come up with the cash or certified funds otherwise charges would be filed and an arrest warrant issued. Itís a class B misdemeanor in NY under article 190 of the penal code for writing a check with insufficient funds after giving the payer 10 days notice of the bounced check w/ the payer not providing restitution during the 10 day period.

Glad it worked out for the OP.
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Old 09-26-2019, 04:41 PM   #12
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Originally Posted by Alchemy Redux View Post
Although Iíve had zero uncollectables over the course of 34 years as a business owner without ever having to rely on the court system or other means to collect, I did have a builder once write me a bad check, the client dodging me on the issue for several weeks. I ended up stopping by the local state police barracks, the officer advising me to deposit the check again, and that if returned with insufficient funds 3xís, I could file charges and an arrest warrant would then be issued. He also informed me that I could file a civil suit, the payee being entitled to 7xís the face value, which has since been reduced to 2xís under the current state penal code. I redeposited the check 2 more times, the check being returned both times with insufficient funds. I ended up calling the client from the local police station giving him 1 hr to come up with the cash or certified funds otherwise charges would be filed and an arrest warrant issued. Itís a class B misdemeanor in NY under article 190 of the penal code for writing a check with insufficient funds after giving the payer 10 days notice of the bounced check w/ the payer not providing restitution during the 10 day period.

Glad it worked out for the OP.
So did the builder cough up the green or did he end up in the calaboose?
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Old 09-26-2019, 05:04 PM   #13
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Had a customer write me a bad check for $5k out of the 10 he owed me then took 6 months to rectify. Boy did that hurt.

My options were to take him to court where we are entitled to 2x damages, go over to his house and break some knees or wait it out...
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Old 09-26-2019, 06:11 PM   #14
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One time , by mistake, my bank deposited a large check that was supposed to go in my business account into my personal account. And of course I had payroll and several large invoices paid thinking that money was in the account. What a mess!

I did receive several bad checks over the course of operating my business. All but one were rectified. I would have never done business again with the one if they would have survived the bankruptcy. Hey, were going bankrupt, let's get some painting done!!! smh
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Old 09-27-2019, 10:23 AM   #15
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I thought everything was done by credit cards or purchase orders in the service industry. Checks are so 80's
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Old 09-27-2019, 11:04 AM   #16
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I thought everything was done by credit cards or purchase orders in the service industry. Checks are so 80's

I don't deal with credit cards for payment. Cheque or EMT. Trend I've noticed is customers over 40 pay by cheque, under that and they're asking to send me EMT.


I'm trying to convince myself that doing my banking over my cel phone is ok, but I just can't get over the 'is it secure?' hump. I'm sure it's fine, since everyone else is doing it. You could deposit your cheque when you get back in your van! I just can't do it. Old dog, no new tricks problems.
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Old 09-27-2019, 11:09 AM   #17
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I thought everything was done by credit cards or purchase orders in the service industry. Checks are so 80's
Try cash ...nobody understands that concept these days!
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Old 09-27-2019, 11:30 AM   #18
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Try cash ...nobody understands that concept these days!
It's all counterfeit. Checks are suspect. Credit cards show instant validity.
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Old 09-27-2019, 11:39 AM   #19
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Quote:
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Try cash ...nobody understands that concept these days!
Even cash is scary these days. too much raises flags, and you may need one of those counterfeit pens.
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Old 09-27-2019, 12:49 PM   #20
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Silver and gold...the only true currency! Everything else is backed by the "full faith" of the government or banks. Good luck with that!!!
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