Quote:
Originally Posted by retiredguy123
I don't see how the check store can have a claim against someone who signed a check and then asked the bank to stop payment before it was cashed by the bank. The check store has no contract with the OP. If the check store wants to collect, they need sue the bank. They are supposed to verify the status of the check with the bank before they cash it. There is a database for stop order checks that the check store apparently failed to use. I wouldn't give them any money. The bank charges a substantial fee to stop payment on a check, and they make a lot of profit on those fees.
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Regrettably there is a big difference between right, wrong, legal and reality. We've all had this happen. A company has records that some bill has not been paid and is owed by you. Rather than checking their records, they send you a letter that the bill is past due. You spend your time to do their work. You spend your time, you as I would spend your money to send it return receipt. I went through this three times with an electric bill on my previous home. Three times in the past nine years. First of all the bill was paid
and I supplied them with a copy of their final bill as well as my cashed check with my memo on the front of the check as well as on the back over their endorsement paying final bill #. Along the way the company was sold. Copy of my files was sent return receipt with a polite letter. Return receipt cost me $7.00 copies time etc. A year or two later it sprung back to life. My third letter went this is the third time you are trying to force me to do your job. I am not doing it. Enclosed you will find the receipt for my previous reply-go find it.
Stop payment. That too came into this. The same mismanaged company sent me a check in the amount they were wrongfully claiming I owed them for a nine year old paid bill. I wrote another return receipt letter yup cost me another $7.00. I told them they had sent me a check. I demanded they send me an apology letter and that I receive it in two weeks or I will simply cash the check they sent me. Three weeks later I deposited the check. Two weeks after that they stopped payment on the check that had already cleared. Checks by law clear in I think out of state they have 10 days-it was passed that.
Truth my intention was not to steal from these fools it was to have it go away permanently.
Further, in my case there is a limit on time for people to attempt to collect a bill. This PAID BILL, if it was not paid was years past the limit for them to pursue it. Aside, I do pay all bills on time and I have a top credit score.
As I said been there done that. Right, wrong, legal and reality are often not the same thing.