I do not think it would have been any big deal for the dealer to hold the check and the merchadise for a few extra days.
I think the bank should not have accepted the check for payment with the date it had written on it.
I would try to get the bank to refund the overdraft fee.
I take post dated rent checks all the time, sometimes the 5th is in the middle of a week and they get paid on Friday. So i generally just ask them to write me a check and put the 7th or the 10th on the check and then i deposit the checks then. My wife once grabbed a stack of rent checks and did deposit 1 or 2 of them early. If they produced a overdraft fee that the bank sent them i paid the fee.
Not everyone has the luxury of having 10k min in their checking account.
Coindeuce- Looks like you are one of the only people on here that has ever done something like this. To draw a little heat off you, i have cash advanced my credit cards for over 200k a few times. That will get you blood pressure flowing.
Mark NGC registry V-Nickel proof #6!!!! working on proof shield nickels # 8 with a bullet!!!!
<< <i>My opinion is that when you purchase something, on ebay or elsewhere, you are obligated to pay for it. When you send someone a check, it is your duty to make it a good one. All of the other details are irrelevant in an arms length transaction. If you were doing business with me or most others from the forum, we would honor your requests, but I would not expect a stranger to necessarily make the effort to do so. More than likely, the seller forgot and/or did not read the note, but I would not lay all of the blame on him. >>
Member: EAC, NBS, C4, CWTS, ANA
RMR: 'Wer, wenn ich schriee, hörte mich denn aus der Engel Ordnungen?'
some pointed responses here, the seller may have not remembered to "hold" your check, ive overextended my bugdget a time or two, makes more sense to ask for more time to make the payment. rather than postdating a check, why not just wait to send it until its covered ? the tone sounds a little like you kinda expect the seller to share some of the blame, thus the pointed responses.
regardless of how many posts I have, I don't consider myself an "expert" at anything
I guess I agree with most responses. I don't always pay close attention to notes not because I don't care, but because when dealing in volume, some get overlooked. It would have been one thing if the seller had agreed before you sent the check, but in this case, it's like adding terms after the terms had been agreed to. All that said, I usually request additional reminders from buyers with unusual requests. For example, the most common request I get (not that often, but more than anything else) is to delay a shipment. I have no problem with this, but even if the buyer gives me a ship date, I respond honestly that they need to email me again when they want the item shipped, since I simply can't keep track of everything, and I know there's a good chance I'll miss the ship date since something like this easily slips through the radar.
So, you sent out four bad checks, but only got burned on one of them? Sounds like you made out pretty well. Sorry if that sounds harsh, but I run a business and have been burned by people who write bad checks too many times. "Oh, there'll be money there next Tuesday, but I'll take your merchandise and services today."
You aren't the only one out money. He got dinged for depositing your bad check. And you still have his medal. You should return it and apologize and pay whatever NSF charge he feels is appropriate.
I made arrangements with the seller to pay by check
when you made those arrangements, you should have made the delayed payment arrangement as well, or waited to mail so that funds would be in account when presented
you can't really be upset with anyone except yourself
Being an engineer, my first impulse is always to ask myself, "What could go wrong here?" Asking for any kind of special treatment, or change of routine, however small, is always prone to error.
I would have used a different kind of strategy. I would have posted the mail a few days later, such that the check would not arrive at the seller before the date when funds would become available. In the end, the (intended) result is the same. The seller gets to deposit the check on the same day he would have if you had sent the check earlier and he had honored your request to delay depositing it. You would have received the merchandise in the same amount of time (assuming the seller did not post your merchandise before depositing your check).
Thanks, Mark
The Secret Of Success Law: Discover all unpredictable errors before they occur.
<< <i>CD - I don't see how this can possibly be worth any more of your attention. Shrug it off and move on. >>
Agree. What's done is done. Not worth losing any sleep over and it's time to move on.
Worry is the interest you pay on a debt you may not owe.
"Paper money eventually returns to its intrinsic value---zero."----Voltaire
"Everything you say should be true, but not everything true should be said."----Voltaire
Comments
I think the bank should not have accepted the check for payment with the date it had written on it.
I would try to get the bank to refund the overdraft fee.
I take post dated rent checks all the time, sometimes the 5th is in the middle of a week and they get paid on Friday. So i generally just ask them to write me a check and put the 7th or the 10th on the check and then i deposit the checks then. My wife once grabbed a stack of rent checks and did deposit 1 or 2 of them early. If they produced a overdraft fee that the bank sent them i paid the fee.
Not everyone has the luxury of having 10k min in their checking account.
Coindeuce- Looks like you are one of the only people on here that has ever done something like this.
NGC registry V-Nickel proof #6!!!!
working on proof shield nickels # 8 with a bullet!!!!
RIP "BEAR"
Doggedly collecting coins of the Central American Republic.
Visit the Society of US Pattern Collectors at USPatterns.com.
<< <i>My opinion is that when you purchase something, on ebay or elsewhere, you are obligated to pay for it. When you send someone a check, it is your duty to make it a good one. All of the other details are irrelevant in an arms length transaction. If you were doing business with me or most others from the forum, we would honor your requests, but I would not expect a stranger to necessarily make the effort to do so. More than likely, the seller forgot and/or did not read the note, but I would not lay all of the blame on him. >>
RMR: 'Wer, wenn ich schriee, hörte mich denn aus der Engel Ordnungen?'
CJ: 'No one!' [Ain't no angels in the coin biz]
Paypal allows you to use your credit card if your cash is low.
You aren't the only one out money. He got dinged for depositing your bad check. And you still have his medal. You should return it and apologize and pay whatever NSF charge he feels is appropriate.
when you made those arrangements, you should have made the delayed payment arrangement as well, or waited to mail so that funds would be in account when presented
you can't really be upset with anyone except yourself
The presumptuousness of including such a request with payment would be surprising. Not good form.
Were I you, I would chalk this one up to my loss, and communicate earlier in the process in the future.
Check out my current listings: https://ebay.com/sch/khunt/m.html?_ipg=200&_sop=12&_rdc=1
Asking for any kind of special treatment, or change of routine, however small, is always
prone to error.
I would have used a different kind of strategy. I would have posted the mail a few days
later, such that the check would not arrive at the seller before the date when funds would
become available. In the end, the (intended) result is the same. The seller gets to deposit the
check on the same day he would have if you had sent the check earlier and he had honored
your request to delay depositing it. You would have received the merchandise in the same
amount of time (assuming the seller did not post your merchandise before depositing your
check).
Thanks,
Mark
Discover all unpredictable errors before they occur.
<< <i>CD - I don't see how this can possibly be worth any more of your attention. Shrug it off and move on. >>
Agree. What's done is done. Not worth losing any sleep over and it's time to move on.
Worry is the interest you pay on a debt you may not owe.
"Paper money eventually returns to its intrinsic value---zero."----Voltaire
"Everything you say should be true, but not everything true should be said."----Voltaire
<< <i>Would a post-dated check for 2/18/2011 have helped? >>
Probably not. Checks are all electronically processed these days - all they do is scan to verify account and amount.
60 years into this hobby and I'm still working on my Lincoln set!
<< <i>I've seen checks go through with no date or the wrong year. >>
I've seen checks go through with no signature.
60 years into this hobby and I'm still working on my Lincoln set!