bank wants money back...what happened...

[GURUDUDE]

SPOKE WITH BANK...THIS AFTERNNON...

CHECK WAS ACKNOWLEDGED DEPOSITED ON 4/4 TUESDAY...

CHECKS WAS FORWARDED TO PHILADELPHIA RESERVE
ON 4/5 WEDNESDAY...

RECIEVED CALL FROM RESERVE FRIDAY AFTERNOON ABOUT STOP PAYMENT ORDER...AFTER WITHDRAWL WAS MADE...

THEY COULD EXPLAIN TO ME ANY MORE...
THEY DO NOT KNOW WHEN THE OTHER BANK RECIEVED THE CHECK...

THEY COULD NOT TELL ME WHEN THE STOP PAYMENT ORDER WAS SUBMITTED...

I COULD NOT FIND OUT FOR WHAT REASON THE STOP PAYMENT ORDER WAS MADE...

ISN'T POSSIBLE THE PASSING A BAD CHECK IN THE COURSE OF LEGAL BUSINESS IS STILL ILLEGAL...WHY DO FEEL THE THIEF...

I WOULD LIKE TO FIND OUT MORE ABOUT THE FUNDS AVAILABILITY POLICY...DO NOT UNDERSTAND WHY THESE FUNDS WHERE MADE AVAILABLE TO ME IF THEY HAVE NOT CLEARED...

WAS THIS AN UNAUTHORIZED FUNDS RELEASE...AND NOW THEY ARE TRYING COVER ASSETTS...

IT IS QUITE POSSIBLE, THAT THIS CHECK WAS STOPPED BECAUSE IF IT WAS NOT...IT WOULD HAVE BEEN NSF INSTEAD...IS THIS A VALID REASON FOR A STOP PAYMENT ORDER...


I WILL GO TO THE BANK IN THE AM...WILL HAVE FUNDS TO COVER STOPPED CHECK...BUT I FEEL I NEED THESE QUESTIONS ANSWERED...AM I WRONG?

 

[GURUDUDE]

WEDNESDAY MORNING STILL AT OFFICE...ALL SEEMS MORE TROUBLE THAN ITS WORTH...SPOKE WITH CLIENT LATE YESTERDAY, BASICALLY HE'S LOOKING FOR SECOND SHOT AT THE APPLE...TO NEGOCITE FEES...HE'S BEING A PAIN...IF I REDUCE FEES 400 DOLLARS HE'LL SETTLE MAYBE,
CAN'T BELIEVE I'M BEING BUT IN THIS SITUATION...

SIX DAYS LEFT OF TAX FILING DEADLINE...I'M NECK HIGH IN PAPERWORK THAT NEEDS TO BE DONE AND ONLY THINKING OF THIS PROBLEM...

ANY ADDITIONAL INFORMATION WOULD BE APPRECIATED...

THANK YOU,

 

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by GURUDUDE:
WEDNESDAY MORNING STILL AT OFFICE...ALL SEEMS MORE TROUBLE THAN ITS WORTH...SPOKE WITH CLIENT LATE YESTERDAY, BASICALLY HE'S LOOKING FOR SECOND SHOT AT THE APPLE...TO NEGOCITE FEES...HE'S BEING A PAIN...IF I REDUCE FEES 400 DOLLARS HE'LL SETTLE MAYBE,
CAN'T BELIEVE I'M BEING BUT IN THIS SITUATION...

SIX DAYS LEFT OF TAX FILING DEADLINE...I'M NECK HIGH IN PAPERWORK THAT NEEDS TO BE DONE AND ONLY THINKING OF THIS PROBLEM...

ANY ADDITIONAL INFORMATION WOULD BE APPRECIATED...

THANK YOU,<HR></BLOCKQUOTE>


My response:

First, you must concentrate on your job. You have PLENTY of time on this issue, after the tax season is over, so put this issue aside for the time being. However, you MUST get your client's returned check from your bank - - this is important !! Then, once you have the check, put it in your desk drawer, and calendar this matter for two weeks AFTER tax season is over. Your client is in NO POSITION to negotiate, even though he thinks so. Why? He already wrote the check, he got the benefit of his payment (his tax preparation) and then, before he even knew the results of his taxes with the Federal and State governments, placed a Stop Payment on his check. Not only are his actions unlawful, but he has opened himself up for much greater damages liability in your favor. You will need to take this matter up with an attorney AFTER TAX SEASON IS OVER. Now, get back to work, and forget this matter for now. I realize this is disturbing, but you are "neck deep" in work and your other clients need you. We'll take this matter up again, later.

Just go get his check from the bank, and give your bank the money back. And that's it for now, okay? Everything is going to be okay for you !! This is not the right time and you have plenty of time later.

IAAL





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[GURUDUDE]

I TOOK YOUR ADVISE...WENT OVER TO THE BANK WITH 6 QUESTIONS....SAID TO MYSELF IF I COULD
GOOD ANSWERS I WOULD REPLACE ALL FUNDS, THE MAN AT THE BANK GAVE ME GOOD ANSWERS TO ALL QUESTIONS EXCEPT FOR THE SPECIFIC REASON FOR THE STOP PAYMENT...IT SEEMS THAT'S A SECRET...DEPOSITED ALL FUNDS...MY POCKET FEELS LIGHTER FOR SURE...BUT I THINK YOUR ADVISE WAS THE BEST THING TO DO...LEFT A FEW MESSAGES WITH MY CLIENT TO TRY TO WORK THINGS OUT PERSONALLY, BUT IT SEEMS THAT HE THINKS HE'S WON AND ITS ALL OVER...WOULD PREFER TO HANDLE THINGS BETWEEN US...BUT AS IS THERE A TAX DEADLINE MONDAY THE 17TH,
WELL THAT'S MY PERSONAL DEADLINE FOR HIM TO REPLACE THESE FUNDS WITHOUT THIRD PARTY INTERVENTION...

YOU WHERE RIGHT...SOME PEOPLE CAN SEE ISSUES MUCH CLEARER THAN OTHERS...YOUR GUIDANCE IS APPRECIATED...FEEL BETTER, THE PRESSURE HAS LIFTED AND I'M CRANKING OUT THOSE TAXES...
THANKS AGAIN,