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Stop payment 

WSVN-TV
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She paid a bank to stop payment on a check. They did, and then they didn’t, cashing the check with a stop payment order on it. Can a bank take money from your account after you pay them not to? Let’s check in to Help Me Howard with Patrick Fraser.

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15 май 2024

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Комментарии : 22   
@tscoff
@tscoff 19 дней назад
The bank only refunded the money to that woman because a reporter called them and asked them about it.
@mitchell.9632
@mitchell.9632 20 дней назад
There is an issue with laws and regulations. A stop payment should last the life of a check.
@dens3096
@dens3096 22 дня назад
Something doesn’t add up! The check usually valid for 180 days! Now assuming the title manager sends the check and week or two later makes a stop payment which is also valid for 180 days, but the stop payment order has longer validity than the check. So how the bank even accepted it?
@sonnymarino7904
@sonnymarino7904 22 дня назад
Wait, the 1st lady called and said she didn’t receive the check, so this lady sent another check. The 1st lady cashes both check, how’s that not fraud?
@mitchell.9632
@mitchell.9632 20 дней назад
Might of been the estate that cashed one of them and it could of been knowingly or unknowingly that there was a double payment cashed the check. The second image (and check) doesn't show who signed for that one of the two; shows for deposit into an account that is redacted. I do not see her signature on both checks in the story, just one.
@randys6220
@randys6220 17 дней назад
@@mitchell.9632 Not likely they unknowingly cashed it since it was cashed exactly 6 months and 1 day after the stop payment was issued. Sounds like it was attempted previously and their bank told them of the stop payment and they tried again 1 day after the stop payment expired.
@richardfabacher3705
@richardfabacher3705 15 дней назад
This was clearly a fraud by the customer. Whether it was the deceased or the deceased's family, they knew about the 6-month rule. I wonder about those checks that say "Void after 90 days." Is that enforceable?
@ronk9830
@ronk9830 13 дней назад
I'm wondering how they knew the *exact date* the stop order was placed. Makes it seem like it was intentionally done.
@steveurbach3093
@steveurbach3093 22 дня назад
She passed away (the payee). The executors probably found a un-cashed check and deposited it. Chaos happens when someone passes. The bank may have screwed up also, by cashing an old (dated) check
@randys6220
@randys6220 17 дней назад
Unlikely since it was cashed exactly 6 months and 1 day after the stop payment.
@randys6220
@randys6220 17 дней назад
My credit union has the same policy. A stop payment is only good for 6 months. Before the 6 months is up you would have to pay another stop payment fee to extend it for another 6 months. After 1 year the check with the old date becomes "stale" and less likely a bank would cash it, though that is not a certainty. The only way to be sure if it is a large check and never returned is to close the bank account and open a new one.
@fanman12
@fanman12 22 дня назад
the lady and her family are scammers. they cashed both checks. Scammer died but the family refused to pay back the title woman.
@user-iq3th6ff6q
@user-iq3th6ff6q 16 дней назад
Six months after I want my money back that I paid to have check stopped.
@NextNate03
@NextNate03 22 дня назад
Howard should known better. If you stopped payment on a check. It is good for ♾️. It doesn't matter what the agreement says either, they still can't do it. Example: If you have an agreement saying you have to agent 47 someone, it's still not valid to Agent 47 someone.
@ronk9830
@ronk9830 13 дней назад
I didn't think checks were valid for more than ninety days from the date they were written, let alone six months and one day. And to have an expiration on a stop order is ridiculous. That's a lousy bank, and they probably weren't the heroes as they likely took the money back from the woman who cashed the first check.
@user-xk4vt9ye8j
@user-xk4vt9ye8j 21 день назад
$27 for a stop payment? My credit union only charges $10. Get another bank lady this one is ripping you off from both ends. In this case the bank should reimburse her for their failure to do their job and then the bank should have the double check cashier arrested for fraud.
@lj4124
@lj4124 21 день назад
BOA charges $30
@mitchell.9632
@mitchell.9632 20 дней назад
Towards the end of the story it said the person that it was issued to passed away. Might of been the estate that cashed one of them and it could of been knowingly or unknowingly that there was a double payment cashed the check. The second image (and check) doesn't show who signed for that one of the two.
@randys6220
@randys6220 17 дней назад
@@mitchell.9632 It was cashed exactly 6 months and 1 day after the stop payment was issued so it was knowingly done.
@robertward8035
@robertward8035 16 дней назад
No good deed..
@spazzman90
@spazzman90 12 дней назад
Checks should never be accepted after 6 months of age. Period. Especially of that value. If you sit on one for that long, sorry but you gotta go to the issuer and request a new one.
@user-wy4wn7pw2f
@user-wy4wn7pw2f 16 дней назад
I'm wonder what are my and where are my texts I'm suppose to receive can tell me that
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