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thejunipertreeI almost forgot the other thing which has mightily pissed me off.
The eBay seller that I won this from.
Okay, here's the story:
I sent a personal check to pay for this, something which I rarely do. The check bounced, by way of the kick-Tara-in-the-ass Gods who like to play with my bank account. It wasn't supposed to have bounced. I don't know how it bounced because I had my bank book accounted for to the very smallest cent. I'm assuming an unknown service charge decided to rear its ugly head. My check bounced.
I find out about this check on Thursday when I call the bank to get my balance because I'm getting paid and I want to know how much is in my account before I deposit my check. I deposit my check as cash, as I always do, thinking that it will clear up the bounced check (and fees thereby incurred) and all will be fine. I also plan to email the seller at my next chance to tell them about it and to offer to pay the fee they will have levelled against them for depositing a rubber check.
On Friday, I call the bank to make a transfer from my account to my mother's and the teller tells me that she can't because my account is in the negative. What? I question this and am told that the branch I went to deposited my check as a check, instead of cash as I had requested. This combined with the fact that my account is overdrawn and that I had deposited my pay after four o'clock means that my paycheck will not clear until Monday, the 19th. Grr. Okay, fine. I can deal with this.
I check my email later at home and find a nasty note from them detailing that the check bounced and they are furious because they're out the money from their account now (their words "my account is minus your payment.") and because I "have already received (my) your item".
Huh?
I haven't received anything.
I write them a very nice and polite email in reply (butter wouldn't melt in my mouth) telling them I was very sorry for what happened, explaining what happened, and informing them that no, I did not receive my item and could they possibly tell me when it was sent.
Early Sunday evening, I sit down and find an even nastier email from them telling me that they were initially charged a flat fee and are currently being charged $27 dollars a DAY until the bounced check is taken care of. They also say that on Monday they are going to the bank to pay for this in cash to prevent further charges and they will be giving me a total which I have to pay for by PayPal or a money order within 72 hours.
I say again, huh?
No mention of a reply to my query of when the dress was mailed, either.
My problem with this is that when someone deposits a check in their account and it bounces, the bank returns the check to the holder of the account and they are charged a fee for it bouncing. After that, they are given the option to either resubmit the check or return it to the sender/person who wrote the check. There is no "$27 dollars a day" fee for depositing a check which bounces.
There is no way in HELL that I'm going to send them $90+ without some kind of confirmation from their bank that this is proper procedure. No fucking way.
I'm calling my bank tomorrow to see if they can tell me what bank my check was deposited in and if there's a phone number available. I'm also going to verify with my bank what the common procedure is for depositing bounced checks.
My next actions hinge what I am told. If I get the phone number from my bank, then I'm calling to find out their procedure regardless of what my bank tells me is procedure. I want to know their way. If I don't get the phone number, then I'm sending a reply to the seller saying
Hello.
I don't mind paying the initial charge that was incurred from my check bouncing
in your account, however I have never heard of any bank charging someone per
day until a check that they deposited clears. Which bank do you have an account
with and what is their phone number? I'd like to call them to verify that this is their
proper procedure. $90+ is a large amount of money to me and I'm not going to
hand it over without some form of comfirmation.
When someone deposits a check in their account and it bounces, the bank returns
the check to the holder of the account and they are charged a fee for it bouncing.
After that, they are given the option to either resubmit the check or return it to
the sender/person who wrote the check.
Also, you didn't answer my question as to when the dress was sent as you stated in
your previous email that it had already been mailed to me. Could you please verify
when the package was mailed out and what procedure was used when it was sent
(Priority Mail/insurance, since the amount I sent to you included insurance charges/etc.)?
It's polite, to the point, and makes very clear that I am not going to be taken advantage of in any manner whatsoever.
In addition to all of this information, I checked their feedback again this evening. I'd done it before, before I bid on the dress. But, checking it this evening revealed feedback that had not been there prior. New feedback, for recent transactions. It makes me a bit uneasy.
I have impeccable feedback on eBay and I'm very proud of this. I buy frequently and I sell not-so-frequently. Since 1998-1999, I've been doing this. And I have never ONCE gotten negative feedback.
If this turns into a war, and I'm afraid it has good potential for doing so, I'm going to make a webpage with all of the details. This will include all of the exchanged emails and the information which I will find out about from either/both bank(s). And a link will be posted with a negative feedback score on their account. And in the event I receive a negative from them, which I am sure I will, the link will be posted as a reply.
I'm fairly sure I've covered all my bases so far. Any suggestions?
The eBay seller that I won this from.
Okay, here's the story:
I sent a personal check to pay for this, something which I rarely do. The check bounced, by way of the kick-Tara-in-the-ass Gods who like to play with my bank account. It wasn't supposed to have bounced. I don't know how it bounced because I had my bank book accounted for to the very smallest cent. I'm assuming an unknown service charge decided to rear its ugly head. My check bounced.
I find out about this check on Thursday when I call the bank to get my balance because I'm getting paid and I want to know how much is in my account before I deposit my check. I deposit my check as cash, as I always do, thinking that it will clear up the bounced check (and fees thereby incurred) and all will be fine. I also plan to email the seller at my next chance to tell them about it and to offer to pay the fee they will have levelled against them for depositing a rubber check.
On Friday, I call the bank to make a transfer from my account to my mother's and the teller tells me that she can't because my account is in the negative. What? I question this and am told that the branch I went to deposited my check as a check, instead of cash as I had requested. This combined with the fact that my account is overdrawn and that I had deposited my pay after four o'clock means that my paycheck will not clear until Monday, the 19th. Grr. Okay, fine. I can deal with this.
I check my email later at home and find a nasty note from them detailing that the check bounced and they are furious because they're out the money from their account now (their words "my account is minus your payment.") and because I "have already received (my) your item".
Huh?
I haven't received anything.
I write them a very nice and polite email in reply (butter wouldn't melt in my mouth) telling them I was very sorry for what happened, explaining what happened, and informing them that no, I did not receive my item and could they possibly tell me when it was sent.
Early Sunday evening, I sit down and find an even nastier email from them telling me that they were initially charged a flat fee and are currently being charged $27 dollars a DAY until the bounced check is taken care of. They also say that on Monday they are going to the bank to pay for this in cash to prevent further charges and they will be giving me a total which I have to pay for by PayPal or a money order within 72 hours.
I say again, huh?
No mention of a reply to my query of when the dress was mailed, either.
My problem with this is that when someone deposits a check in their account and it bounces, the bank returns the check to the holder of the account and they are charged a fee for it bouncing. After that, they are given the option to either resubmit the check or return it to the sender/person who wrote the check. There is no "$27 dollars a day" fee for depositing a check which bounces.
There is no way in HELL that I'm going to send them $90+ without some kind of confirmation from their bank that this is proper procedure. No fucking way.
I'm calling my bank tomorrow to see if they can tell me what bank my check was deposited in and if there's a phone number available. I'm also going to verify with my bank what the common procedure is for depositing bounced checks.
My next actions hinge what I am told. If I get the phone number from my bank, then I'm calling to find out their procedure regardless of what my bank tells me is procedure. I want to know their way. If I don't get the phone number, then I'm sending a reply to the seller saying
Hello.
I don't mind paying the initial charge that was incurred from my check bouncing
in your account, however I have never heard of any bank charging someone per
day until a check that they deposited clears. Which bank do you have an account
with and what is their phone number? I'd like to call them to verify that this is their
proper procedure. $90+ is a large amount of money to me and I'm not going to
hand it over without some form of comfirmation.
When someone deposits a check in their account and it bounces, the bank returns
the check to the holder of the account and they are charged a fee for it bouncing.
After that, they are given the option to either resubmit the check or return it to
the sender/person who wrote the check.
Also, you didn't answer my question as to when the dress was sent as you stated in
your previous email that it had already been mailed to me. Could you please verify
when the package was mailed out and what procedure was used when it was sent
(Priority Mail/insurance, since the amount I sent to you included insurance charges/etc.)?
It's polite, to the point, and makes very clear that I am not going to be taken advantage of in any manner whatsoever.
In addition to all of this information, I checked their feedback again this evening. I'd done it before, before I bid on the dress. But, checking it this evening revealed feedback that had not been there prior. New feedback, for recent transactions. It makes me a bit uneasy.
I have impeccable feedback on eBay and I'm very proud of this. I buy frequently and I sell not-so-frequently. Since 1998-1999, I've been doing this. And I have never ONCE gotten negative feedback.
If this turns into a war, and I'm afraid it has good potential for doing so, I'm going to make a webpage with all of the details. This will include all of the exchanged emails and the information which I will find out about from either/both bank(s). And a link will be posted with a negative feedback score on their account. And in the event I receive a negative from them, which I am sure I will, the link will be posted as a reply.
I'm fairly sure I've covered all my bases so far. Any suggestions?
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(no subject)
Date: 2003-05-18 10:56 pm (UTC)It is also fishy that the seller did not answer your question about the shipment date. Given the feedback you mentioned, you are quite right to be cautious.
I understand that eBay has a mediation service. You might want to pursue that avenue. Also, if you need webspace with which to store your future drama, just let me know.
Musta missed you tonight. I was watching Teh Craft and thinking about how much you reminded me of Nancy.
I INVOKE THEE@#!!@
;>
(no subject)
Date: 2003-05-18 10:58 pm (UTC)signals a big red BAAAAP.
Gah
Date: 2003-05-19 06:33 am (UTC)I've never heard of a daily fee... that doesn't make sense on any level, really.
:/ Good luck
(no subject)
Date: 2003-05-19 06:37 am (UTC)Cashing the check before depositing is a great idea. I have done this for years since having a paycheck bounce. Even though my employer covered the bounce fees that caused me to incur, I decided not to take chances again.