Re: Re: Help! My check was denied at mall! We can probably figure out lots of reasons why they can and why they can't but it would most likely take a law suit to get the answers.
Re: Re: Help! My check was denied at mall! I wonder if they (TELECHECK) or any other authorizing agency would DENY me...BECAUSE I HAVE NEVER WRITTEN A CHECK AT ANY BUSINESS SINCE I STARTED TO USE 100% CREDIT, MANY, MANY MOONS AGO!?!?!?!?!
Re: Re: Help! My check was denied at mall! In a blatent effort to avoid working on my take home test in Experimental Psychology, I continued researching the 'permissable purpose' angle. QUOTE (I only found this in a Connecticut site. I haven't seen one yet for Texas) ------------------------- http://www.state.ct.us/dob/pages/bchecks.htm Banks can refuse to cash a check, even a check that is issued by the government. When a bank cashes a check, in effect it makes a short-term, interest-free loan. The bank gives out cash immediately, but it may not receive offsetting credit for the cashed check for a day or more. Banks are generally willing to do this for their own customers' convenience. Cashing a check for a non-customer, who may be a total stranger, exposes a bank to risk. If the check is stolen or fraudulent, the bank may never see the non-customer again. ----------------------------- so I'm going to extrapolate from this that 1) a business accepting your check is making a short-term, interest free loan. 2)By offering to pay by check, you've offered to enter into a business relationship with them, extending you this short term loan in exchange for 'stuff' so they can run a credit check via the check guarantee agencies to verify whether or not they WANT to do business with you. I get the impression from my google.com surfing that I would not be in a favorable position in court if I claimed I didn't give autorepair shop/Telecheck the right to run my credit, especially since the notice 'all checks must be approved by Telecheck' was (and usually is in most places) clearly displayed. On the upside, Telecheck IS therefore a kind of CRA, and information can be disputed with the happy shiny list of letters provided by the 800 club enthusiasts on this board. And, they have multiple contact methods listed on their website. _______________________ http://www.pirg.org/consumer/credit/#courts is an entertaining consumer activist site who has LOTS to say on the whole CRA subject. Back to the test...really, I'm going to finish it tonight. -rfmjb
Even with NO bounced checks, I couldn't write a single check for a $650 for a car repair at my dealership. Telecheck refused to approve it. 1*they said they'd based their decision to reject the amount based on a credit check. 2*So on a hunch I wrote a $500 check and a second check for $150. Both were approved on the spot. Silly system. rfmjb ============== 1A*Yeah never mind how much money is in the checking account always go for pulling a credit report instead. 2*I would not have done that.I would have left the stuff at the check out and walked out of the store. 1B*By all means take the check if the credit score is high even if there is only 400 dollars in the bank.Has to be better than accepting the check from you if your score is low and there is 10000 bucks in your checking account. Makes sense to me LOL ! The END ************************* LB 59
So on a hunch I wrote a $500 check and a second check for $150. Both were approved on the spot. Silly system. +++++++++++++++ Of course they were! Every body knows that 500 plus 150 is less than 650. LOL
Re: Re: Help! My check was denied at mall! The BANK will automatically BOUNCE the $650.00 check because they have a low score...EVEN IF THEY HAVE $10,000 IN THE CHECKING ACCOUNT...BECAUSE F.I.C.O. SAYS THEY WILL BOUNCE MORE CHECKS...HAVE MORE ACCIDENTS...HAVE MORE CLAIMS...HAVE MORE TICKETS WITH A LOW F.I.C.O. SCORE!!!
Re: Re: Re: Help! My check was denied at mall! If one has 1000 in checking its worth 1500 with a high score or 500 with a low score.
Re: Re: Re: Re: Help! My check was denied at mall! 2*I would not have done that.I would have left the stuff at the check out and walked out of the store. So, you would have left your car at the check out and walked out of the dealership? A car dealership, unlike a grocery store, would have you by the balls in this situation. Not to mention an implied mechanic's lien for the repairs! I'm sure they'd be delighted that you left with them keeping the car (unless it's worth less than $650.00)!
Re: Re: Re: Re: Re: Help! My check was denied at mall! 1*So, you would have left your car at the check out and walked out of the dealership? 2*A car dealership, unlike a grocery store, equalizer ============= 1*Wasn't referring to a dealer ship 2*Rite: This would put a different cork in the screw The END ************************* LB 59
Re: Re: Re: Re: Re: Help! My check was denied at mall! What is a dealer ship? Is it most like a: 1. Canoe 2. Rowboat 3. Submarine 4. LST 5. cargo vessel 6. destroyer 7. battleship 8. aircraft carrier If choice #2 don't let your #7 mouth overload your #2 a$$
Re: Re: Re: Re: Re: Re: Re: Help! My check was denied at mall! PS: Or is it somebody that ships dealers??LOL Again
Re: Re: Re: Re: Re: Help! My check was denied at mall! LB NOT IB lower case has problems...that is one reason I LIKE CAPS!!! lbrown59
Re: Re: Re: Re: Re: Help! My check was denied at mall! George, I ment LB, it's just the fingers don't function as well as they used to either..
