[Jukebox-list] "Bad Check"-was-Crazy scams --

[Ron Rich]

Thanks, Steve. I have not had this problem, but was just curious. I knew that there must be some kind of regulation in this area--Is the same  "timeline" true for domestic checks?
  Ron Rich

Steve Michael <skmichael at cox.net> wrote: 
  Ron:

I hate to tell you this but the bank has up to 5 years on certain types of
checks. In most cases a customer who sees a fraudulent check debit their
account it can be up to 45 days after the check was charged to the account.
If the time period is more than this ( sometimes you can try after 15 days),
ask your bank to send the item back as a late return.
Look at the back of the check to see when the check was sent to the paying
bank. That is the key to when the timeline starts.

This is a very common scam and laws vary depending on if it is the maker's
signature is bad or if the check as a whole is bad. If you can give me the
info (if it has happened recently) I will do my best to help you with the
situation.

Good Luck. 

-----Original Message-----
From: jukebox-list-bounces at lists.netlojix.com
[mailto:jukebox-list-bounces at lists.netlojix.com] On Behalf Of Ron Rich
Sent: Friday, February 02, 2007 3:52 PM
To: Jukebox mailing list
Subject: Re: [Jukebox-list] "Bad Check"-was-Crazy scams --

Kyle,
I am aware of that --my original question was not well worded--I'll try
again.
Does anyone know for sure how long a U.S. bank has to inform you (and thus
"debit your account"), that either the international check was bogus, or
payment was cancelled. In other words, how long does one need to wait before
the bank can NOT, by law, debit your account for a "bad" international check
? Ron Rich

"Mechanical Music of S.F." wrote:
Ron, These people don't actually want or expect your item.
The Scenario.
You are selling a jukebox for $2500.

An out of the country "buyer" offers $3000 and gives you a song and dance
about some shipping company they are working with and a check they have for
$5000 but can't cash since thay are out of the country.

They send you the check. It's FAKE, but looks good enough to pass into your
bank and be processed (BAD money).

You deposit it and send them (or their 'shipping company') the difference
back ($2000 - your GOOD money) directly into an account.

Meanwhile, you're arranging the shipping. It's bogus.
Days pass. Your bank informs you the check is bad, but you're out your
$2000. The scamers already have it.

Notice that they sent you a paper check, but managed to get YOU to deposit
money directly into an account.

People fall for it time and time again. They often do it because these
people offer to pay MORE than the asking price for an item, so people, being
greedy for an extra $500 or whatever, do it.

Suckers.


Kyle ~
Mechanical Music of San Francisco

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