Ugh - how dumb can I be?! (finding old uncashed checks)
#14
Originally Posted by Naturalmama
Originally Posted by Murphy
If the banks they are written on are close to where you live you can take them to those banks as long as you have an ID to show that you are the person they were written to. If there are no funds they just won't cash them, but there will be no charges.
#15
Originally Posted by BETTY62
Okay, if you are thinking about not cashing them anyway, I would try sending them back to the people with a nice letter explaining what happended and ask them to replace them with a currently dated check. Because this was your oversite , I would enclose a self addressed, stamped envelope so they would have no excuse for not sending you a new check except for the fact they are deadbeats. Hope you get your money, because they know they owe it. Good luck.
#16
Super Member
Join Date: Mar 2010
Location: North Texas
Posts: 8,710
Oh what a predicament. For sure I would notify them. What if they money is not there? You would both pay a fee. Most of us here would understand and resend it. So send a letter with a copy of the check and give them a few days to get you paid. Then if you don't hear, You may deposit it and take it to their bank. That way, they can tell you if funds are available before either acquires a fee. Hope it works out. HUGS
#17
Super Member
Join Date: Mar 2010
Location: North Texas
Posts: 8,710
Oh what a predicament. For sure I would notify them. What if they money is not there? You would both pay a fee. Most of us here would understand and resend it. So send a letter with a copy of the check and give them a few days to get you paid. Then if you don't hear, You may deposit it and take it to their bank. That way, they can tell you if funds are available before either acquires a fee. Hope it works out. HUGS
#18
Super Member
Join Date: Mar 2010
Location: North Texas
Posts: 8,710
Oh what a predicament. For sure I would notify them. What if they money is not there? You would both pay a fee. Most of us here would understand and resend it. So send a letter with a copy of the check and give them a few days to get you paid. Then if you don't hear, You may deposit it and take it to their bank. That way, they can tell you if funds are available before either acquires a fee. Hope it works out. HUGS
#19
Junior Member
Join Date: Apr 2011
Location: S IL
Posts: 171
I agree with ClovePatch. Thats what you can do.
There is 180 day "stale" date that can be honored so they might not be cashed after that time.
If you cash them and they come back NSF or account closed or some other reason, you may get a charge back fee for processing along with the amount of the check. The chance of that fee on a small check may not be "worth it".
To avoid that go to the bank they were drawn off and cash them. Even if you don't have an account there. They will honor them because they are "on us" checks. Thats if the account is in good standing.
There is 180 day "stale" date that can be honored so they might not be cashed after that time.
If you cash them and they come back NSF or account closed or some other reason, you may get a charge back fee for processing along with the amount of the check. The chance of that fee on a small check may not be "worth it".
To avoid that go to the bank they were drawn off and cash them. Even if you don't have an account there. They will honor them because they are "on us" checks. Thats if the account is in good standing.
#20
hope you followed thru on these. They should be good. I also do craft shows and I can honestly say I have never gotten a bad check. On the whole, most people are honest. At least that is what I have found out. What part of
Wis are you? I am in Oshkosh and cabin in Asthelstane, Wis.
Wis are you? I am in Oshkosh and cabin in Asthelstane, Wis.
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