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Originally Posted by Tophersmom From what I know about banking (it could be different here in Canada) but I don't think she's responsible. Firstly, because she put a stop payment on a cheque doesn't mean that she meant to defraud you. Putting the stop payment shows that she changed her mind. If she'd meant to defraud she probably would have not put a stop payment on the cheque and just let it bounce.
Secondly, the onus is on you to ensure that the cheque clears before you write cheques against it. I don't believe she's responsible for the fees due to the bounced cheques as the responsibility is yours to ensure that the money is in your account for what you write. Like I said, I could be wrong, but I'm pretty sure that's how it works.
I was in a similar situation about 20 years ago...it's a long convoluted story so I won't get into it here, but it ended up being that I had to pay for fees because a cheque that was originally deposited into my account, bounced.
I don't blame you one bit for being upset. I know I was seething mad because I had written many cheques that ended up bouncing. Going by people's word used to mean something at one time...it doesn't seem to mean anything these days. Because I'd dealt with my bank for a long time, they ended up waiving my fees because they felt bad for me and the situation I was in.
I know that my breeder accepts cheques but only certified ones (where the bank guarantees the finances.) That might be the way to go in the future. Or even set up a separate account for cheques for holding yorkies. When the cheque clears, then you can deposit it into your regular chequing account.
I'm so sorry this happened to you. |
just wanted to add that I agree also with lovedorkyyorkies...I'm questioning as to how she would be allowed to put a stop payment on a cheque after 4 days. I thought that the time period to be able to do that was shorter. Each bank must be different, I guess.
oops...sorry about posting this twice...i hit the wrong button!
