Deposit/bad Checks????

[stinky]

I’m sorry this happened to you, but more than anything I’m sorry you’re loosing sleep over it. There’s nothing worse than being up in the middle of the night worrying; everything seems so magnified and blown out of proportion. I’m not saying you don’t have reason to be upset; I would be livid. That woman is absolutely terrible and only concerned about herself. I would not do any business with her in the future. She’s unreasonable and unreliable. I hope you make a quick recovery from this and find a good, deserving home for your baby.

[luvdorkyyorkies]

Originally Posted by jencar98

jencar98 From my understanding the bank can honor a stop pay as long as the check hasn't cleared your account, which normally would take 3 business days. She probably was able to do this at the last minute. When it comes to banks that are Federally insured they all have the same regulations regarding check clearances and the number of days they have to process a checks and deposits. These are very strict regulations and every bank should make a copy of their policy available to anyone who asks and they normally have to have a copy of this policy posted within the bank.

If you really want to pursue her for compensation for your expenses you could probably win in small claims. Her writing a check, I think, is essentially like signing a contract and she is obligated to honor her contract.

Most likely if you remain polite and have been a good customer for your bank, they would waive the fees. The bank I used to work for did this quite often. Good luck!!

One other thing - even if you call and there are sufficient funds to cover that check at that time. By the time a check is deposited and actually gets to the home bank the funds may not be there. It is best if there is any question and if possible to go to the bank and get it cashed. That way no Stop Pay could ever be issued, and you've got your money in hand!!

Maybe God was intervening and keeping your baby out of a really bad home.

Thats exactly what my bank said! I think the poster prolly has a good chance of the bank taking mercy on her.

[YorkieRose]

This is how this breeder sees the situation...YOU spent money that was not yours to spend. Oh, perhaps a deposit is considered yours in the eyes of the law, but a wise breeder never considers the money theirs until the guarantee expires...for me that is a year. You can spend the money, but better make sure you have an account for a genetic problem...it can happen.

Never count your chickens until the eggs hatch...saves alot of "insuffient funds" charges...sorry it happened, but you are wiser now...always expect potential buyers to do all sorts of stupid, uncaring things..
I always return deposits if the sale falls through anyway and I think a wise breeder does this...I am not out any money by returning a deposit and I will never force anyone to take a puppy...in fact I don't want deal with people like this...don't stoop to her level.

[gypsyqueen]

What was her last name (Idiot)

[JeanieK]

I agree, the banking system totally sucks. Have you called your bank and talked to them and asked them to waive some of the chages. Usually if you haven't overdrawn your account within the past 6 months, they will waive some of the fees. Maybe not all but some is better than nothing.

The problem with the current system is that, percentage wise, the poorer you are the the greater the fees. You are charged the same fee for bouncing a $20 check as you would be if you bounced a $2000 check.

Then once the first fee has been charged more checks will bounce and the merchants in turn will charge a fee and it just escalates out of control.

The greatest thing the banks ever did was to initiate the overdraft protection. I love it. I no longer have to worry about overdrafts, however the bank will still charge ME a $7 fee if someone elses check check is returned to me. Now that is totally not fair.

[Peters]

you should know you have the money to write checks in your account reguardless of what happens. that's awful that someone would do that to you or anyone for that matter but it's not ALL her fault it's partly yours also.she should help pay at least half the fees personally i would have waited for the check to clear before i spent the money...but i don't trust everyone at face value..it's pretty sad when you can't trust your fellow man/woman at the very least it could be a good thing ,your puppy didn't go to someone who cannot afford them which means they wouldn't be able to provide for them properly. she seems really irresponsible ...expecting her parents to pay for a puppy she wants and telling you basically too bad because she canceled that check she should be held responsible somehow to learn a lesson. with that said ,sorry that happened to you

[Bnot]

I know it really sux to learn the hard way. That must have been why they requested cash or a money order, when I bought Venus.

I hope your bank will reimburse this one time thing. And I hope small claims court will help you on this.

Imho....she should have called you to let you know she stopped payment. Thats just good business, and being kind and courteouos.

One thing for sure though, when you learn this way, you don't make that mistake again. Cash, cashiers check or money order, unless they are family!

Sorry you got burned! That sucks.

[connie k]

I used to own a hair salon and people would get hundreds of dollars worth of services and write bad checks. After a few I figured out that if it was over 50 dollars I would take it to their bank and cash it. That way if the money wasn't there then i could go back another day. They let you do this three times. However, I agree with the people saying not to write checks on your account if your not sure if the check has cleared. Also you shouldn't start spending a deposit until the puppy is picked up. I know that is hard but, people change thier minds or do stupid things. I hate it that you have had to go through this. Next time please check thier bank before you spend the money.

[Sugar's Mom]

Originally Posted by artie merlino

It's 4 am. and I can't sleep a wink b/c I am upset and sooo PISSED OFF!
I need fellow YT'ers. to console and advise me on this situation.......I will try to keep this as short as possible!
On 9/23/06, we were @ the Dog Park Pet Fair, I was hanging out @ my favorite Pet Stores Booth/Stand with both my Yorkies. I was approached by a young couple (early 20's) she claimed she was a 1st grade School Teacher and her BF. was a Personal Trainer, she explained that she had heard from
other people from the Dog Park that I had Puppies for Sale and that I was a Breeder. She said they had been looking for a Yorkie for the past 6 months on
the Internet and she didn't want to pay less than $1,500.00 or more than $2,000.00 I agreed on $1,800.00 since her Mother was paying for an early Xmas present that way she would have a couple hundred leftover for his "Supplies" too! After speaking to them for about an hour they came over to see my puppies, they left and we went on with our day, about an hour later she called me and said she spoke with her Mother and she wanted me to hold my male puppy for her and as soon as her Mother deposited the money she would give me a check for $500.00 as a DEPOSIT to take him off the Market and HOLD for her. A week had gone by and I didn't hear from her
I thought she might have changed her mind or found a better deal?
She assured me that she had not and on 9/30/06 she had come over again
to see him, and gave me the check from her checking account. She came the following day again to visit. I deposited the check on 10/2/06 and yesterday 10/09/06 I happened to be making a Bank Deposit as usual and she put a "STOP PAYMENT" on the check on 10/06/06 so needless to say I was in Shock that she never called or communicated that she had changed her mind for what ever reason?......I don't care what her cicumstances are?
I called her and when she returned my call, I explained that I wasn't going to force her to take him, she claimed her Parents could not give her the rest of the money/balance of $1,300.00 that a Family Emergency came up!
I explained that I wrote checks against that money that had BOUNCED b/c of her negligence to communicate! She could have notified me? At that point I was only asking her to cover all my "Bank charges & Fees" that I was charged b/c of this incident. But now all the Vendors that I wrote the Check to are also charging me fees for the RETURNED CHECKS. She non-chalantly replied that when she spoke to her Bank she was told that ther would be NO FEES for her. Well I have to speak to my Bank but I'm sure after all that's said and done I will have to come out of pocket for about $150.00 or more?
I do NOT think or feel this is Fair! She claims she can't even afford to pay or reimburse me for anything at all......not one Bank Fee! She cannot understand
why I'm upset over bouncing $500.00 worth of checks plus all the fees!
I called the rest of my Buyers for the other Puppies and explained that I would only accept cash or money orders from now on. Everyone has advised me to take her to "Small Claims Court" b/c she intentionally wrote a "BAD CHECK", now she wouldn't have done this to "Walmart" or a Regular Business b/c they would report her to the proper Authorities.
Well I know this is long, but I had to get this out of my system and vent!
Sorry I can't do anymore "Charity" work.....if you have to ask "How much is that Yorkie in the window" than you can't afford him anyway, I know what my Dogs are worth and what they are capable of, I bred my Best together to produce the best I could.....I treat every single one of them with absolute care and they are spoiled rotten! They already have a American Bulldog puppy
that was a 8 months old and her B/F was the one taking care of him, she was going to crate her puppy from 5:30 am. to 5:30 pm. Monday to Friday,
since they would need to be seperated/supervised. IMO. I'm relieved to know that I saved him from that Household and he wouldn't be in a miserable situation. I didn't bring him into this World to Suffer. He deserves Better, someone that will appreciate him and treat him just as well as I do or even more spoiled than he already is? If that's possible? Well I'm sure I'll get an ear full, but I feel better writing about it......but I don't look foreward to dealing with this mess! This is the first time this happened so maybe I need the Lesson? I guess I'm just upset b/c she has no remorse and didn't apologize and doesn't care that she BURNED ME!

this is why my husband has a cash only policy for his beagles or aa postal money order. I am going to have thee same thing with my yorkies. A lot of people frown on taking Paypal but this is the safest way to go. banks are even beginning to question money orders. It is so easy to use the computer to make one. heck, even the sites that take both paypal and credit cards are smarter than people think. I have seen it really put down on here but it seems to me the way to go. UNLESS you can afford to hold on to the deposit check (not spend it) until it clears. By the time they pick the pup up, the check will have cleared and they pay you the balance cash. Only way to go.

[Sugar's Mom]

Originally Posted by ChestersMom

Cashing the check is the perfect way to avoid this. I had two people put deposits on my pups and then back out within a week. My answer to that problem was a non-refundable deposit. I did not, however, spend the money before I knew the check had cleared. Some lessons are hard to learn. Sorry this happened to you.

cashing the check does not work at my bank. my huisband did that a few years ago. We are required to write out number on the back of any check we cash. They deducted the money from OUR bank account.

[hasrv4fun]

Now I don't want to come off as a know it all and every state has different laws But with that being said do you not realize that when you take a deposit on a puppy that money by law should go into a escrow account until the puppy is delivered ? That money is not legally in some areas and technically yours until you deliver that puppy UNLESS you have a full "NO REFUND " clause in a written and signed contract when you receive the deposit. I am not a lawyer - just a business person that deals with this type of incident often. By having the money aside you don't run into this problem.
Just wanted to share what I have learned over the many years I have been doing this.

[chachi]

Originally Posted by Sugar's Mom

this is why my husband has a cash only policy for his beagles or aa postal money order. I am going to have thee same thing with my yorkies. A lot of people frown on taking Paypal but this is the safest way to go. banks are even beginning to question money orders. It is so easy to use the computer to make one. heck, even the sites that take both paypal and credit cards are smarter than people think. I have seen it really put down on here but it seems to me the way to go. UNLESS you can afford to hold on to the deposit check (not spend it) until it clears. By the time they pick the pup up, the check will have cleared and they pay you the balance cash. Only way to go.

I agree using paypal is the way to go. It is protected for the seller and the buyer can use their credit card to purchase it is just a win win situation

[txshopper73]

Originally Posted by luvdorkyyorkies

My bank said the best thing to do if possible, is cash it at their bank and it clears immediately and they can not stop payment.

This is what I do if I receive a personal check from someone (not very often). I go directly to their bank and cash it. That way, no waiting on my part.

[kaymo]

I'm sorry about your financial bind, that really stinks! I have a question, why would you sell her one of your puppies if she was going to crate it for 12 hours? To me she doesn't seem responsible enough to have a puppy, maybe her parents realized this and wouldn't give her the money.

[makemepretty]

I've had this happen, it sucks and I feel so bad for you. I know I wouldn't have the money for the fees and trying to come up with the money to cover the checks would be a nightmare. My only suggestion is if you ever accept a check again, go to the bank where it was written against and cash it there.
You can't put a stop payment on a check that was already cashed, my husband is in construction and learned this little trick, it has saved us from ever having to worry about someone elses check bouncing because you know immediately if they actually have the funds.