Condo People Want Me to Pay a Non Sufficient Funds Surcharge

[Beezer]

I dated my cheque for the first of February...then mailed it to them in mid January. They cashed the cheque 2 weeks early and it bounced. Now they are demanding I pay the Bank's surcharge of $25.00.

I politely told them to stuff it...that I did nothing wrong. I'll keep you all posted on how this plays out.

 

[Sunkist]

I dated my cheque for the first of February...then mailed it to them in mid January. They cashed the cheque 2 weeks early and it bounced. Now they are demanding I pay the Bank's surcharge of $25.00.

I politely told them to stuff it...that I did nothing wrong. I'll keep you all posted on how this plays out.

I don't know where you're located, but check your lease and see if this topic is addressed- it should be... and you could risk getting evicted.

I always pay my rent a couple of weeks early, but make sure I have enough $ in my account to cover it.

 

[Beezer]

and you could risk getting evicted.

I own the home. These are monthly Condo fees. I'm quite sure this won't boil up to an eviction. The cheque was for money owed on February 1st. It was cashed 2 weeks too early. I had no hand in that, and should not be on the hook for the 25 bucks.

Of course I can afford to pay the surcharge, but I'm refusing on principle.

 

[Llynn]

I'm on your side.

 

[PeppermintPatty]

Isn’t that the banks fault for letting the cheque go through?

 

[Beezer]

Isn’t that the banks fault for letting the cheque go through?

I thought so as well. The Bank just told me when I went to address the issue that I would not be charged any non sufficient funds surcharge...and I wasn't.
But I gather the Condo people were charged $25.00 by the Bank and they are trying to download that cost on to me.

 

[Teacher Terry]

I pay my condo fees online so they are paid on the correct date. Have you considered doing this?

 

[MACKTEXAS]

Did you enclose a note, or somehow bring to their attention that the check was post dated when you mailed it to them? If they get a lot of checks in the mail, they may not have noticed the date.

In Texas, banks are not required to wait until the date on a check to process it unless notified in writing by the maker.

 

[Trish]

I thought so as well. The Bank just told me when I went to address the issue that I would not be charged any non sufficient funds surcharge...and I wasn't.
But I gather the Condo people were charged $25.00 by the Bank and they are trying to download that cost on to me.

I think you are right @Beezer They should not have presented the cheque before the due date, especially as the cheque was post-dated. Clearly the Bank held them responsible too, otherwise the Bank would have charged you.

 

[Aunt Bea]

I’ve always been told that the date is not the deciding factor and that once you sign a check it becomes legal tender.

I can see both sides of the issue, if you brought it to their attention with a note that the check required special handling they should eat the fee.

Let us know how this works out.

 

[MarciKS]

I own the home. These are monthly Condo fees. I'm quite sure this won't boil up to an eviction. The cheque was for money owed on February 1st. It was cashed 2 weeks too early. I had no hand in that, and should not be on the hook for the 25 bucks.

Of course I can afford to pay the surcharge, but I'm refusing on principle.

I don't know why they won't honor the date on the check. They shouldn't be allowed to cash it before that date. Frickin banks!

 

[WheatenLover]

I thought so as well. The Bank just told me when I went to address the issue that I would not be charged any non sufficient funds surcharge...and I wasn't.
But I gather the Condo people were charged $25.00 by the Bank and they are trying to download that cost on to me.

It's like super easy to make sure of the date on a check before depositing. Some people are not good with details. They should not handle money in any form, at least for pay.

 

[That Lady in PA]

In the US, a signed check immediately becomes legal tender that a bank can deposit or cash before the indicated date on the check. Therefore, a bank will be able to accept a check if it is dated and signed.

if You don’t have sufficient funds, don't write out the check.

 

[againstthegrain]

Haha, selfed. Writes a check, mails a check, no money in the account........got what you deserved - a headache.