I just got defrauded out of 350 quid

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Someone bounced a cheque on me. Annoyingly, I had the guy's phone number, but I threw it out a coupla days ago. It wasn't a "refer to drawer", it was a "stopped by account holder" bounce. I'm about to call thee cops and ask for advice, but I fear I'm going to have to basically eat it. What a way to start the day. I am very pissed off.

― Pashmina (Pashmina), Tuesday, 18 March 2003 11:24 (twenty-three years ago)

That truly suX0r, sorry to hear that.

― Nicole (Nicole), Tuesday, 18 March 2003 11:28 (twenty-three years ago)

that's terrible pashima.

― Julio Desouza (jdesouza), Tuesday, 18 March 2003 11:29 (twenty-three years ago)

Don't forget, maybe this guy had a very good reason to stop the cheque. Like, maybe he's a complete fucking arsehole or something?

― Gatinha (rwillmsen), Tuesday, 18 March 2003 11:29 (twenty-three years ago)

You can get your bank to track him down through the cheque. I've done this before.

― Ed (dali), Tuesday, 18 March 2003 11:31 (twenty-three years ago)

What Ed said. What was it for? If iot was services rendered and there are invoices or agreements involved (e-mails, contracts) then you can batter him with the small claims court.

― Pete (Pete), Tuesday, 18 March 2003 11:36 (twenty-three years ago)

or just batter him

― chris (chris), Tuesday, 18 March 2003 11:37 (twenty-three years ago)

Yes, but you need to get 350 pounds worth of battering out of him.

― Pete (Pete), Tuesday, 18 March 2003 11:41 (twenty-three years ago)

you'll need a plank or big stick.

― chris (chris), Tuesday, 18 March 2003 11:46 (twenty-three years ago)

350 pounds is an eye, isn't it?

― Gatinha (rwillmsen), Tuesday, 18 March 2003 11:48 (twenty-three years ago)

It was for a [er....ahem] I was selling on behalf of another customer. I called the bank, and I have to write them a letter explaining the situation. The only possibility the person at the bank was able to come up with was that the person had their cheque book stolen, and they called to pull the cheque book - this seems unlikely to me though. Our bank, and the person's bank is the same one, tho' I don't know if this will help.

― Pashmina (Pashmina), Tuesday, 18 March 2003 12:21 (twenty-three years ago)

I would gladly pay 350 quid to batter someone with a stick - it would improve my mood no end, I'd wager.

― Lara (Lara), Tuesday, 18 March 2003 12:23 (twenty-three years ago)

Bad luck PPh4y, hope you get it sorted out soon...

― Sarah (starry), Tuesday, 18 March 2003 12:23 (twenty-three years ago)

I am under the impression that if you got the cheque guarantee number then the bank are bound to cover your loss.

― N. (nickdastoor), Tuesday, 18 March 2003 12:26 (twenty-three years ago)

but most cheque G card numbers only up a 100 quid, N.

― DJ Martian (djmartian), Tuesday, 18 March 2003 12:36 (twenty-three years ago)

Ah yes. Well still - I'm sure it will all be sorted out!

― N. (nickdastoor), Tuesday, 18 March 2003 12:38 (twenty-three years ago)

I think you have a pretty good claim, banks don't like bouncing cheques and frown upon customers who do. If you have a legal sale (which you have) then it should not be too hard to chase this up. Unless they are bankrupt (not just morally).

― Pete (Pete), Tuesday, 18 March 2003 12:45 (twenty-three years ago)

£350 is worth at least a tooth. Go get 'em, Ph4y!

― kate, Tuesday, 18 March 2003 13:03 (twenty-three years ago)

I called the police, and asked for advice. I have to go through the bank procedure, and get back in touch if that proves fruitless. I have a incident number to refer to, if this proves to be the case. I spent time that would be better spent repairing bikes (I have a load in to do) writing to the bank as well. We shall see what happens. The person who gave me the cheque has had his bikes repaired by us on several occasions in the past, and has been no trouble, so I thought I cd trust him! I know, I'm naive.... I can't think of any good reason why he would stop the cheque though. Worse still, the people who I was selling the tandem for will be coming back to the UK soon, so I'll have to give them the money! That's going to hurt.

― Pashmina (Pashmina), Tuesday, 18 March 2003 13:11 (twenty-three years ago)

Not necessarily - you can pass the proceedings on to them since you were just a selling agent. However this is down to you with regards to your business...

It's your faith in human nature that ios the real victim here.

― Pete (Pete), Tuesday, 18 March 2003 13:23 (twenty-three years ago)

Not necessarily - you can pass the proceedings on to them since you were just a selling agent. However this is down to you with regards to your business...

That is something I would not do. (passing the proceedings on, that is) IMO, to remain personally ethical, I have to pay them the money.

― Pashmina (Pashmina), Tuesday, 18 March 2003 13:35 (twenty-three years ago)

No, I understand that and thought that would be the case. But if it was a matter that was going to jeapordise the business then it is an option you could consider. Though when you hear from the bank and have a better idea about the length of time for the proceedings this is information worth sharing with them so they know what a bind you are in. They will appreciate your honesty even more then.

― Pete (Pete), Tuesday, 18 March 2003 13:42 (twenty-three years ago)

Well, February has been an unusually good month, so it isn't jeapordising the business, fortunately (is that how you spell jeapordise? It doesn't look right.) What I'll do is I'll tell them and if they say, oh dear, we can wait, then I'll do that, but to be honest, I'd rather give them their money. Actually, I'll most likely give them the money regardless. I was really pleased when I sold a Birdy Grey, which is a very high-quality & expensive German folding bicycle last month. It cost 1650 uk pounds. Guess how much of that is profit, after you take the VAT off? I hope this guy comes in & redeems the cheque, that's all. (BTW I knew that's what you meant Pete)

― Pashmina (Pashmina), Tuesday, 18 March 2003 14:02 (twenty-three years ago)

Post VAT you are probably looking at a solid 700 pound profit - right?

Jeopardise!

― Pete (Pete), Tuesday, 18 March 2003 14:20 (twenty-three years ago)

I think I want a birdy grey now. Given that I have no space for anything that doesn't fold

― Ed (dali), Tuesday, 18 March 2003 14:26 (twenty-three years ago)

Bicycle sales are not very profitable. I make about £400 on that sale. (the Birdy Grey rulz, BTW)

― Pashmina (Pashmina), Tuesday, 18 March 2003 15:21 (twenty-three years ago)

two weeks pass...

his wife came in to-day, because they had broken a bit of it. she asked to buy a tool to fix the broken part. i was very polite and asked her to get her husband to redeem the bounced cheque. she seemed genuinely horrified, and pulled out 350 pounds ca$h and paid me. Apparently, he hadn't filled in the cheque stub, and panicked, thinking hed had a cheque nicked. that seems a bit feeble, I know, but she was obviously sincere, so I think it's true. what a relief! You can perhaps imagine that I was hopping about w/adrenaline for the rest of the afternoon.

― Pashmina (Pashmina), Saturday, 5 April 2003 19:01 (twenty-three years ago)

Excellent! But a silly question: how many people walk around with that much cash?

― Sean Carruthers (SeanC), Saturday, 5 April 2003 19:05 (twenty-three years ago)

great to hear norman.

― Julio Desouza (jdesouza), Saturday, 5 April 2003 19:09 (twenty-three years ago)

god, lots of people! You wouldn't believe it actually....people come in - "can i have a pax0r3t of hoover bags for my goblin solo" and i'm like here, three pounds fifty, and they pull out this *huge* fat wallet stuffed w/20s and 50s to pay!! this happens a lot. i'd NEVER carry such amounts ov ca$h w/me, but lots of people do.

― Pashmina (Pashmina), Saturday, 5 April 2003 19:10 (twenty-three years ago)

i dont even think my wallet holds more than four dollars

― jess (dubplatestyle), Saturday, 5 April 2003 19:11 (twenty-three years ago)

this whole thread has made me very happy!

― michael wells (michael w.), Saturday, 5 April 2003 19:18 (twenty-three years ago)

the ppl who come in and say "can i have a pax0r3t of hoover bags for my goblin solo" = k3ith 3m3rson!

― mark s (mark s), Saturday, 5 April 2003 20:06 (twenty-three years ago)

pfff emmo has a meile.

look at the happy little things!!

http://perso.wanadoo.fr/atil/forum/tous.gif

― Pashmina (Pashmina), Saturday, 5 April 2003 20:10 (twenty-three years ago)

That's one dirty rug Mr Lake's been dragging round

― RickyT (RickyT), Saturday, 5 April 2003 22:27 (twenty-three years ago)

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