Quote:
Originally Posted by DAVES
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.
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I'm confused as to what this has to do with the situation. Both the check store and the bank charge large fees to process checks. That is what they do. If the OP wrote a check and then asked the bank to stop payment on it, and the bank refused to pay the check store, that is the end of it. The check store has no legal agreement of any type with the OP, and cannot bill the OP for anything. The check wasn't even issued to the check store by the OP, it was issued to the contractor. If the stop payment order was in place, the OP doesn't owe any money to anyone. The check store is at fault for 1) accepting a check from an unscrupulous contractor as payee, and 2) for not checking the stop payment database. It might be different if the check store was the payee on the check, but they weren't. So, it is their problem and that is why they charge so much to cash checks. It's a risky business and they accepted a bad check from a dishonest payee.