5 yr old bounced ck suddenly appears

[gobbler]

last week I was notified that I had bounced 2 checks five years ago. one check number was not even one in my check book then and was a place I do not think I have ever been to. the other i do not think is mine either. I did bounce several checks over 5 years ago and one was to one of the establishments mentioned , but was a different amount. I was contacted by check systems and paid them. since then, until today I have not heard a word from any one. I have checked my credit report and no checks have shown up on it, though they may have added these two. I have a new checking account now at another bank. when opening it they researched and found no outstanding checks. I have had no trouble cashing checks etc. until this week, when a check of my mothers was denied. when she contacted check systems they said I had an outstanding check and she was associated with me. my mother has never bounced a check and has excellent credit. is all this legal. I have contacted the bank to see if they can find the checks concerned--this was 10 days ago and so far I have not heard anything from them. what legal rights do I have, what should I do?

 

[seniorjudge]

Q: what legal rights do I have
A: You have the legal right to pay your bills.

Q: what should I do?
A: Make sure all your checks have been paid.

 

[JETX]

Also... contact the firm that 'notified' you and ask for a copy of the checks. Then, when you get them.... see if it jogs your memory a little.

 

[gobbler]

I asked for copies of the check for proof and they said they could not give me copies. they told me to go to the bank and have them research it. As stated before when I opened a new checking account they researched me then and found no outstanding checks.
I am not trying to get out of debts that I owe. I just don't want to have to pay for something that is not mine. I know I should pay my checks, debts, etc and think I have done so. I think these are either not mine or are ones I already paid. I am just trying to get proof that these are real debts not errors. why have I not heard anything for 5 years

 

[JETX]

I asked for copies of the check for proof and they said they could not give me copies. they told me to go to the bank and have them research it.

Okay, then your 'answer' is simple. Refuse to pay them anything until such time as they can PROVE your obligation.

As stated before when I opened a new checking account they researched me then and found no outstanding checks.

Not relevant as it proves nothing.

 

[seniorjudge]

I asked for copies of the check for proof and they said they could not give me copies. they told me to go to the bank and have them research it. As stated before when I opened a new checking account they researched me then and found no outstanding checks.
I am not trying to get out of debts that I owe. I just don't want to have to pay for something that is not mine. I know I should pay my checks, debts, etc and think I have done so. I think these are either not mine or are ones I already paid. I am just trying to get proof that these are real debts not errors. why have I not heard anything for 5 years

They are required to give you proof of your debt.

I am NOT a creditor-debtor lawyer; stand by for detailed answers from others who are.

 

[Ladynred]

They refused YOUR MOTHER"s check because she's your MOTHER ?? That is 100% pure BULL !! If your mother has never been in ChexSystem, then she should have NO reason to have a check denied. They can not simply dishonor checks from RELATIVES because a family member had bad checks, that's absurd ! Your mother needs to read them the riot act, your debts and problems are NOT HERS !

 

[gobbler]

my mom was very upset. the first lady she talked to was nice and immediately gave her my name and that I had one outstanding check. my mom asked the lady what that had to do with her when she had money in the bank, has never bounced a check and is the only one who has written on this account. The lady passed my mom to another person who was to "dissociate us". this person was extremely rude and denied all that the first lady said, saying we were NOT associated. He said they had the right to disallow a check for any reason--number sequence, amount of checks written in a certain time, etc. He was sorry my mom was upset but he could not guarantee that this would not happen again. He told her if it did to immediately call check systems personally and they would approve the check. Said this was all for her protection, to make sure it was her writing the checks.
My mother called check systems back again to see if she got a third story. It just so happened she got the first girl again. when my mom told her what the guy said, this girl said he was wrong. she looked at the account and said changes had been made and we were dissociated and there should be no problems.

 

[gobbler]

found payment receipts

Just found receipts where I think I paid this check back in 2000 to telecheck systems. I think I had 3 checks and broke the payments into 4. They show payments but do not show exactly what they cover. I will check with telecheck about them and will also send copies to this collection agency. by the way they are adding huge fees. for the $97 dollar check they are charging $222- total and for the $18 dollar check they are charging $141 total. I am in Tn can they do that.