Duane
Cumming,#2Consumer Comment
Thu, July 27, 2006
The Rip Off Report:Theft By Taking.Dated 7/18/2006 The Location of the Branch is Cumming, Georgia not Northridge, CA I furthermore believe that the transaction was not a post dated check in question, but a debit agreement between the company and mysely to debit my acciunt on specific date. Even so, If there are no eyes peering at the check then how would WAMU know that a check was in a pending status? Why would I be told the lie that my account would be closed in one day, instead of the contrary situation with the closing my account is concerned
Duane
Cumming,#3Consumer Comment
Thu, July 27, 2006
The Rip Off Report:Theft By Taking.Dated 7/18/2006 The Location of the Branch is Cumming, Georgia not Northridge, CA I furthermore believe that the transaction was not a post dated check in question, but a debit agreement between the company and mysely to debit my acciunt on specific date. Even so, If there are no eyes peering at the check then how would WAMU know that a check was in a pending status? Why would I be told the lie that my account would be closed in one day, instead of the contrary situation with the closing my account is concerned
Duane
Cumming,#4Consumer Comment
Thu, July 27, 2006
The Rip Off Report:Theft By Taking.Dated 7/18/2006 The Location of the Branch is Cumming, Georgia not Northridge, CA I furthermore believe that the transaction was not a post dated check in question, but a debit agreement between the company and mysely to debit my acciunt on specific date. Even so, If there are no eyes peering at the check then how would WAMU know that a check was in a pending status? Why would I be told the lie that my account would be closed in one day, instead of the contrary situation with the closing my account is concerned
Duane
Cumming,#5Consumer Comment
Thu, July 27, 2006
The Rip Off Report:Theft By Taking.Dated 7/18/2006 The Location of the Branch is Cumming, Georgia not Northridge, CA I furthermore believe that the transaction was not a post dated check in question, but a debit agreement between the company and mysely to debit my acciunt on specific date. Even so, If there are no eyes peering at the check then how would WAMU know that a check was in a pending status? Why would I be told the lie that my account would be closed in one day, instead of the contrary situation with the closing my account is concerned
Mike
Radford,#6Consumer Suggestion
Wed, July 19, 2006
As far as I know there's nothing illegal about a post-dated check if the person taking the check is informed in advance that it will be post-dated. They may decide to provide goods or services anyway. However under most states' laws, a NSF post dated check is not criminally enforceable as a "bad check." ALSO THE WRITER OF THE CHECK HAS NO RECOURSE IF THE CHECK IS BANKED EARLY. Banks never look at the date on a check, and they are allowed to ignore it. So no one should write or accept post dated checks because there is less legal protection for both parties, but it's not illegal.
D
Naples,#7Consumer Comment
Wed, July 19, 2006
You should consider yourself lucky. Because knowingly writing a "POST DATED" is a Federal crime. I hope the bank doesn't come after you. One last thing, since you can't keep track of your finances I suggest that you CLOSE your acccounts and deal only with cash. I look forward to your response. And YES I do work for A bank.
Ken
Randolph,#8Consumer Comment
Wed, July 19, 2006
The Uniform Commercial Code is the body of laws that determines (among other things) how negotiable instruments (like checks) are processed. It states that if you post date a check, and then give it to a creditor, and that check is subsequently negotiated before the date, the drawer of the check is responsible. In other words, post-dating a check does not protect you from that check being cashed. Bear in mind that most checks are processed by machine, and no human eye ever looks at them, so in effect no one is even checking that date. The moral of the story is don't hand over a check until you are ready for it to be cashed.