Hot check paid you by a deadbeat gets your bank account closed for it.
@lookatdesktop (27129)
Dallas, Texas
September 23, 2017 9:16am CST
If you are given a check that comes from someone else's bank account like say, for instance, you did work and they pay you a check for the work but the check bounces, well, you might just get your account closed and be blamed for it as if you knew the check you deposited was bad, although you had no idea it was bad. The person who gave you the BAD check that bounced, caused you to lose your bank account for it, that turns into a serious situation that can't be ignored.
And it seems to apply to everyone. So whatever you do, ask for cash payout and don't take any personal checks from people you do work for because it only takes one time to deposit a BAD CHECK to ruin your bank account forever! And it's not even your fault.
This is why lawyers are working overtime. You are a victim, not a criminal. See this video from YouTube and give me some feedback if you have anything to say about this subject: See what happened to the guy on that video. GMAB!
My BOA account was closed without warning because someone wrote me a bad check for $100. I never deposited a bad check before this one, and there was plenty ...
2 people like this
3 responses
@TiarasOceanView (70035)
• United States
23 Sep 17
It should not be the case at all..it is not your fault how would you know? They need to change that law.
1 person likes this
@lookatdesktop (27129)
• Dallas, Texas
23 Sep 17
This isn't about me, personally, but about some guy on the internet who posted a YouTube video about his bad experience with a hot check writer and being the fall guy for it.
There are so many cases of hot check writing and fraudulent credit card purchases that it's not good to be a banker if you don't have your angles all covered to protect you against public fraud. This has been going on so much that the banks sometimes really loose a lot of money from dishonest Joes and Josettes.
1 person likes this
@TiarasOceanView (70035)
• United States
23 Sep 17
@lookatdesktop Oh yes I know it is not you Anthony. I know it is the guy on that video.
Terrible terrible state of affairs.
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@lookatdesktop (27129)
• Dallas, Texas
23 Sep 17
@TiarasOceanView , Yes and I am glad I never had that experience. I only accept checks from reliable sources like government and municipal checks and gift cards. But since I am retired and don't earn anything by doing a service I don't worry about such matters. Back in the day, when I did cut lawns I got paid check and cash but never got a bad check. Lucky I guess. Most my lawn customers were well to do and had no need to write hot checks. One guy offered me a hundred and he was drunk and I told him I only wanted the 20 dollars and he withdrew that hundred and smiles as he handed me a twenty and a can of Pepsi cola back when I was a teenager cutting lawns in summer to make extra money to help me buy new clothes and some meaningful books to read.
1 person likes this
@topffer (42156)
• France
23 Sep 17
It is the opposite that happens here : if a check is refused, the author of the check has 8 days to find the money to pay it or he will lose all his checkbooks and credit cards for 3 years (it is a national database, and will be applied by all banks where he has an account) and perhaps his accounts.
1 person likes this
@topffer (42156)
• France
23 Sep 17
@lookatdesktop It is a law, the database can be checked by any bank, but is managed by the Banque de France, i.e. the state national bank that collects the data about bad checks sent by all French banks.
1 person likes this
@lookatdesktop (27129)
• Dallas, Texas
23 Sep 17
Yea. It must work if the banks in France use that system to protect themselves against fraudulent checks that bounce like the proverbial bouncing ball.
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@lookatdesktop (27129)
• Dallas, Texas
23 Sep 17
@topffer , Well it makes good sense to me.
1 person likes this
@Scrapper88 (5957)
• United States
23 Sep 17
I have been hearing about this happening. It would look like you could have the bank check the bank account of the person who wrote the check before the check was cashed.
1 person likes this
@lookatdesktop (27129)
• Dallas, Texas
23 Sep 17
They will do so only if you tell them you suspect it may be a hot check but then if you think that in the first place would you even accept such a check? I wouldn't.
1 person likes this
