A Fine Kettle of Fish

As if I didn't have enough on my plate already...

To try to raise some cash I listed an item on Craigslist. An individual responded with an offer to buy the item sight unseen and that he would have his mover pick it up after I deposited the certified check. I applied the smell test to this situation, and it failed. But I thought I would have some fun with it after all. I wrote "WITHOUT RECOURSE" on the check, signed it with the usual 12 USC ?411 demand and deposited the check. I then told the nice lady that I suspected the check was bogus. She informed me that if the bank did not get paid they would take it back out of my account, even if I had spent the money. I will go in on Monday and talk to the vice president of the bank an share my suspicion with her. No, I wont spend a dime of it until this is all sorted out.

Suitors, what do you think?

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Originally Posted by John Howard

As if I didn't have enough on my plate already...

To try to raise some cash I listed an item on Craigslist. An individual responded with an offer to buy the item sight unseen and that he would have his mover pick it up after I deposited the certified check. I applied the smell test to this situation, and it failed. But I thought I would have some fun with it after all. I wrote "WITHOUT RECOURSE" on the check, signed it with the usual 12 USC ?411 demand and deposited the check. I then told the nice lady that I suspected the check was bogus. She informed me that if the bank did not get paid they would take it back out of my account, even if I had spent the money. I will go in on Monday and talk to the vice president of the bank an share my suspicion with her. No, I wont spend a dime of it until this is all sorted out.

Suitors, what do you think?

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Why do banks ask if you are an account holder with them before administering any commercial paper you tender?

The proceeds of your account are the surety for whatever commercial paper, most likely checks, that you present through that bank.

Banks are in business to profit while limiting liability.

Is the bank liable in view of the fact that I signed without recourse?

Quote:

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Originally Posted by John Howard

As if I didn't have enough on my plate already...

To try to raise some cash I listed an item on Craigslist. An individual responded with an offer to buy the item sight unseen and that he would have his mover pick it up after I deposited the certified check. I applied the smell test to this situation, and it failed. But I thought I would have some fun with it after all. I wrote "WITHOUT RECOURSE" on the check, signed it with the usual 12 USC ?411 demand and deposited the check. I then told the nice lady that I suspected the check was bogus. She informed me that if the bank did not get paid they would take it back out of my account, even if I had spent the money. I will go in on Monday and talk to the vice president of the bank an share my suspicion with her. No, I wont spend a dime of it until this is all sorted out.

Suitors, what do you think?

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I am having trouble getting through this. You say the check is certified? I am not sure what that means but that sounds like a cashier's check in some respects. I believe that it means that his bank has already taken those funds and set them aside. The funds are certified to clear when your bank presents the check for demand.

The remainder then, of your post, is hypothetical. I think the Without Recourse in your situation is moot. You made the presentment and you got a R4C on it, verbally but the teller made it clear that the Recourse of the transaction being empty of funds would be back on you.

Like I said, it doesn't smell right. Upon review it appears to be drawn on a business account. As long as I don't part with my property or touch the money I have not defrauded anyone, but it seems like this character that sent the check has committed a crime or two.

If it clears?

We shall see. Would you pay 2 grand more than I asked for something? Then ask me to send the mover his share by Western Union?

Was the check certified?

In the emails he said it would be, but no it was not.

Then I get it now. I missed some details or you forgot to add them.

I am wondering why mention to the bank teller that the check might be bogus? Why not just hold on until it cleared?

An implied qualification, based on the circumstances surrounding the endorsement to a third party, will not be recognized by the courts.

implied qualification had to research that word implied qualification from without recourse

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Originally Posted by Chex

An implied qualification, based on the circumstances surrounding the endorsement to a third party, will not be recognized by the courts.

implied qualification had to research that word implied qualification from without recourse

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Thanks for that tasty morsel.

I also found this . It sounds like what this guy tried.


Fake Checks: Variations on a Scheme
Counterfeit or fake checks are being used in a growing number of fraudulent schemes, including foreign lottery scams (as described above), check overpayment scams, Internet auction scams, and secret shopper scams.

Check overpayment scams target consumers selling cars or other valuable items through classified ads or online auction sites. Unsuspecting sellers get stuck when scammers pass off bogus cashier?s checks, corporate checks, or personal checks. Here?s how it happens:

A scam artist replies to a classified ad or auction posting, offers to pay for the item with a check, and then comes up with a reason for writing the check for more than the purchase price. The scammer asks the seller to wire back the difference after depositing the check. The seller does it, and later, when the scammer?s check bounces, the seller is left liable for the entire amount.

That sure does.

I'm glad you were cautious and then discovered the scam info. These types of scams have been perpetrated for quite some time and are common knowledge among craigslist users.

That check came back today, no great surprise. I wrote back to the sender and told him to have "his mover" meet "my cousin" at his office in Atlanta. I gave the address as 226 Peachtree Street SW, and to ask for John Dalton. Since he actually is the Deputy Chief of the Criminal Investigation Division of the Atlanta PD he will probably just do a quick u-turn in the parking lot, after wasting an hour driving one way. :cool:

Quote:

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Originally Posted by John Howard

That check came back today, no great surprise. I wrote back to the sender and told him to have "his mover" meet "my cousin" at his office in Atlanta. I gave the address as 226 Peachtree Street SW, and to ask for John Dalton. Since he actually is the Deputy Chief of the Criminal Investigation Division of the Atlanta PD he will probably just do a quick u-turn in the parking lot, after wasting an hour driving one way. :cool:

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Slick! That will learn him!

I was selling a high end mountain bike a few yrs ago and got a check from a car dealership in Calif. It was made out for more with instructions where to send the extra money. We let our bank check it out as bogus and then sent it to my wifes sister who works in the Tx. Attorney General office. Never heard if anything was done but didn't get taken.