bounced check

[Mark Story]

Elian,

The laws are very different here, or at least the way they are enforced.
Usually with a single bounced check, all the police authorities will do is
tell you "go collect it yourself, we are not a collection agency." It's
different, of course, if the person has stolen the checkbook or has been
passing checks on a nonexistent or closed account. This is not check
bouncing, but is forgery, in which the authorities are more interested.

Mark Story, RPT
Eastern Washington University
Cheney, Washington

----- Original Message -----
From: "Elian Degen J." <degen@telcel.net.ve>
To: <pianotech@ptg.org>
Sent: Sunday, March 19, 2000 4:17 PM
Subject: Re: bounced check


> List
>
> First.
> About bounced checks, as there are many causes for a check to bounce,
when
> it happens (luckily very seldom due to bounced checks laws which are very
> strict) I call the client and tell him " This is your piano tuner, sorry
to
> informe you that your check bounced" normaly the client appologizes and
> takes my acc number to make a deposit.
>
> I do have printed on my invoices that there is an extra fee for bounced
> checks, but I never charge it, untill now all my customers are decent
> enough, and I am almost sure the checks I have got have not been
deliberate.
> (Where I live, by law, if you suspect it was deliberate, you can go to a
> "Public Notary" present the check, and the person who gave the check will
be
> prosecuted plus, he looses all credits and cannot open another account in
> the Venezuelan banking system)
>
> Second.
>
> I also buy many things with a debit card. Banks here do not charge any
> special fee, plus you even get discounts. But the reson is that I once had
a
> fraud on a major credit card, and even though the bank fixed everything,
it
> really was a grat headache. Now I opened a small account with a debit
card,
> and I just put enough money in it to cover for the aquisition. I use it
for
> internet and other things, one at a time. Never had a problem.
>
> Elian
>
>
> ----- Original Message -----
> From: Jon Page <jonpage@mediaone.net>
> To: <pianotech@ptg.org>
> Sent: Sunday, March 19, 2000 5:55 PM
> Subject: Re: bounced check
>
>
> > At 02:14 PM 03/19/2000 -0700, you wrote:
> > >
> > >     On a side note:  About 6 months ago, I ordered a mail order
product
> that
> > > cost $225.  The company sent two of them.  I used my debit card.  My
> house
> > > payment cleared the bank and so did the 2 products they sent, but the
> dozen
> > > other little checks for $20 each (like my water bill) bounced.  Their
> little
> > > oversight cost me $600.  Of course it is an out of state company so
> there's
> > > no way to collect.  The company was absolutely NASTY to me about it.
> >
> >
> > Ron,
> > Good reason not to use a debit card. Had it been a credit card, the
> > problem would have been resolved with one phone call to the credit
> > card company after talking with the dealer.
> >
> > I don't see why anyone would want to use a debit card, there is a
> > charge to your account for the transaction. At least with credit cards
> > the bill can be paid a month of so later when the bill comes in, it's
free
> > money, a no interest loan for the first month;  and you have the right
> > of dispute and sometimes extended warranties.
> >
> > Charge responsibly,
> >
> > Jon Page,   piano technician
> > Harwich Port, Cape Cod, Mass.
> > mailto:jonpage@mediaone.net
> > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> >
>