Got DV - new question
Date: Fri, 10/12/2007 - 15:01
So of course I DV them. They send me some bank statements and the amounts match up, but the weird thing is there is a whole truckload of returned check charges. I don’t recall writing any rubber checks, as a matter of fact this was in Las Vegas NV and they are rabid when it comes to bounced checks, there are fines and jail time and if you do it more then once it is jail time up to 10 years and a 10,000 buck fine!!
I lived in Nevada for about 3 more years after my bank account closed and if I had all those bounced checks I’m sure I would be in jail right now and not here writing to you all! So, my first inclination is to ask to see the canceled checks since I honestly can’t remember writing them, but then again it was 5 years ago and maybe I just forgot, then I wouldn’t want to open a possible can of worms and have them sick the police dogs on my butt for these old checks if I was insane enough to write them. Guess I should try to find out Nevada’s statue of limitations for bouncy checks just in case.
At least I know this CA can’t sue me for this, well, at least they can’t win since it is out of SOL for Texas and lovely, lovely Texas has a nifty little law that if you live in this wonderful state for a year you get to claim Texas laws no matter what the SOL was of other states.
So anyone got any suggestions? Opinions? I’m all ears and hoping for a little advice!
Did you have checks set up on your accounts that may have hit af
Did you have checks set up on your accounts that may have hit after you closed the account?
You mean like recurring payments? No nothing like that, I can i
You mean like recurring payments? No nothing like that, I can imagine quite easily that I may have had one or two since I flubbed the account, but not the amount it is listing..its a ton of them.
Would checks be considered open account or written contract? Th
Would checks be considered open account or written contract? Thats the only SOL terms I can find for nevada...open account is 4 years, written contract is 6 years. So even if it falls in the 6, I'm in the clear in less then a year. Also, maybe it isn't a bunch of bad checks, but the same one or two checks hitting the account and re-hitting the account.
I wonder if the CA would even have copies of the bad checks.
Ok well I found that the SOL for fraud is 3 years and I think ba
Ok well I found that the SOL for fraud is 3 years and I think bad checks fall into the category.
The difference between writting a bad check at Krogers and sendi
The difference between writting a bad check at Krogers and sending a check to your credit card company or doing a check over the phone is slightly different. Yes a bad check is a bad thing but in the time that I have been workign where I am I haven't seen a CC company go after people who've written bad checks. I am sure they do but I haven't seen it.
I don't think that is something you have to worry about. What I would do is go back and call the creditor and ask them where they got off on charging you bad check fee's when you didn't write them a check.
The original creditor was my old bank account. :D I messed up
The original creditor was my old bank account. :D I messed up and it went negative. I don't remember having any checks out at the time it happened, but it is possible I had one or two. The DV I got from the CA is the bank statement..that is where I see the rows and rows of returned check charges, yet as I said, I couldn't recall ever writing that many..maybe one or two at the most that were out when I messed up the bank account, but nothing like what is listed.