Bounced Checks

[Bobp123]

What is the name of your state? California

Hello, let me explain my situation, about a month ago someone i know gave me a check to cash, so i deposit it into my bank account through an atm and withdrawal the cash and give it to him, the reason for this is i think he didnt have a bank account, and at first it was going ok, he kept asking so i kept doing it, also i noticed that the checks werent under his name but instead his moms, then recently the last seven checks he gave me bounced with the bank fees and overdraft charges it totals up to $769. He is now avoiding me and wont answer any of my calls so i took it up with his parents and they claim that they didnt even sign the check and that it was forges by her son so they want to stay out of it. How should i go about getting my money back? Here is what i was told could happen, i could notify the authorities and have the one who forged the check arrested, then since i still have all seven checks that bounced with me because they sent them all back to me in the mail, i could sue his parents for the total amount, please correct me if i am wrong, thank you.

[JETX]

Originally Posted by Bobp123

How should i go about getting my money back?

Gee... maybe start with asking.

Here is what i was told could happen, i could notify the authorities and have the one who forged the check arrested

Not true. You have NO right to file a complaint since the forgery was not done on YOUR account.

then since i still have all seven checks that bounced with me because they sent them all back to me in the mail, i could sue his parents for the total amount

Wrong again. His parents have NO obligation to reimburse you. So, how much did he pay you to cash each of those bogus checks for him??

[Bobp123]

ya i already tried asking and the parents want to stay out of it and the person who gave them to me is completley avoiding me, he gave me 20 dollars each time, so basically your are telling that there is nothing i can do right?

[2901bruce]

Originally Posted by Bobp123

ya i already tried asking and the parents want to stay out of it and the person who gave them to me is completley avoiding me, he gave me 20 dollars each time, so basically your are telling that there is nothing i can do right?

So for $20.00 per check - he pushed your "Greed-Button"? Maybe you ought to go into the "Payday Advance" business! Seriously, get the bounced checks, then contact your local police dept. You're probably going to have to take him to small-claims court, but - Good Luck Collecting.

[Bobp123]

wait, what do u mean 'he pushed my greed button' the checks total to 769 dollars he just gave me twenty dollars each time i cashed a check for him, i would just like to know if his parents are liable because it is their check or if he is liable, i would just like to know, what should be my next step, thanks.

[VAsinglemom]

Take the checks to the police. They will contact the owners of the account the checks were drawn on who will either 1) Have to take the blame for what their son did or 2) Admit that their son forged the checks. Is the son a minor? If so, then the parents are liable for the costs anyway. Then go file a small claims suit against all three of them.

[BelizeBreeze]

Originally Posted by VAsinglemom

Take the checks to the police. They will contact the owners of the account the checks were drawn on who will either 1) Have to take the blame for what their son did or 2) Admit that their son forged the checks. Is the son a minor? If so, then the parents are liable for the costs anyway. Then go file a small claims suit against all three of them.

And IF there are any charges to come out of this, our little "Bobby" will share in them. THAT'S why Jet asked how much?

[Bobp123]

ok what if there son is over 18 years old, and what do you mean by 'our little bobby will shre in on them' thanks. so you guys are saying that his parents will be liable for the amount of the checks because it is their checks???

[VAsinglemom]

No, if the son is over 18 then HE alone is liable for the cost of the checks. He will also face criminal charges (possibly multiple felonies) for what he's done. I asked if he was under 18 because that's the only way to hold the parents accountable. Since he is an adult, they are not responsible. Remember, he stole the checks from them so they are probably out a decent amount of money as well (returned check fees, bank fees, etc).

[fairisfair]

Originally Posted by Bobp123

ok what if there son is over 18 years old, and what do you mean by 'our little bobby will shre in on them' thanks. so you guys are saying that his parents will be liable for the amount of the checks because it is their checks???

You were cashing checks that you knew there was a problem with, and you were being paid for doing so. Only thing that went wrong in your opinion, is that you got stuck with the bad checks instead of someone else. You were cashing checks because "you think because he didn't have a bank account". You were cashing checks, taking a "cut" and passing on the remaining funds. Give us a break Yeah, call the cops, and pack a bag.

[echogirl3142]

you want to be really careful with how much you persue this....considering you were willfully and knowingly aiding a person to commit fraud and if you wanna go deep enough money laundering....big no no in all states...i wouldn't bring it up with the bank @ all because they're likely to close out your account because of FDIC and federal regulations that you just broke...oh and just to let you know for future reference, it doesn't matter if a person has a bank account for them to cash a check...all they have to do is walk into the issuing bank and present valid ID and it will be cashed....if they can't do that there is something really wrong! i wish you the best of luck trying to get what you're out back but i wouldn't hold my breath if i were you.

[Bobp123]

ok here is what i was thinking, i though that his mom gave him checks for me to cash for spending money or whatever, because i dont know how someone can get money taken out of there account continuosly and not know about it but i guess it is possible, and as for the reason why he didnt cash them himself is because his account was all screwed up (negative funds) which i recently found out. i thought he was paying me out of his own pocket so i didnt know that i was being paid to help him steal from his parents if i was aware of that i would have never done it So i was not aware that what he was doing was fradulent, does this make any difference? thank you.

[JETX]

Originally Posted by Bobp123

ok here is what i was thinking, i though that his mom gave him checks for me to cash for spending money or whatever, because i dont know how someone can get money taken out of there account continuosly and not know about it but i guess it is possible, and as for the reason why he didnt cash them himself is because his account was all screwed up (negative funds) which i recently found out. i thought he was paying me out of his own pocket so i didnt know that i was being paid to help him steal from his parents if i was aware of that i would have never done it So i was not aware that what he was doing was fradulent, does this make any difference? thank you.

Hmmm... that 'spin' doesn't sound any more credible than your previous one. Better try again.

[echogirl3142]

again...not really...you even said yourself that the checks where from or made out to someone else....and since you still did it you willingly helped with fraud...among other things...no matter how you spin this you're gonna be out that money unless you get the person to repay you without going into legal actions...no one is gonna touch this legally because you yourself were doing something illegal. oh and just out of curiosity how were the checks endorsed?

[Bobp123]

no i never said the checks were made out to someone else, the checks were originally made out to me, i just said the the actual check was his moms business check. picture this - his mom wrote the check herself out to me, then gave it to her son, which gave it to me.