Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: ccmids on January 26, 2010, 05:05:54 pm
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any one had this happen to them , its only £40 from a big house fancy cars you name it they got it.
I just put the returned cheque through there letter box with the letter off the bank .
hope they pay ,cant aford to lose £40 .
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Have had this a few times.
Its ALWAYS the big houses with the fancy cars.
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wonder what excuse they will say ???
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You should of kept the cheque as proof of a bounced cheque if anything goes further.
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wont that be recorded at the bank ???
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I might be wrong but I believe it is a serious offence to issue a cheque if you don't have the funds to cover it. If I'm right it might be angle you can use to get your money.
On the other hand it might be quite a genuine mistake - they might be in the process of changing bank etc.
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I might be wrong but I believe it is a serious offence to issue a cheque if you don't have the funds to cover it. If I'm right it might be angle you can use to get your money.
On the other hand it might be quite a genuine mistake - they might be in the process of changing bank etc.
I think it's only an offence if it's done intentionally. Proving that would be virtually impossible.
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A shame you returned the cheque, you can re-submit it up to 3 times, and if it bounces each time the guy will get charged by his bank for doing so...so even if you can't get your money out of him, you can at least cost him about £15.00 every time it bounces¬!!
Ian
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why didnt you say that in the first place , the bloke is a bit of a numpty, i would have done that ;D ;D
so realy its cost him £55 instead of £40 just by bounceing the cheque
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Good isn't it?
That was a piece of info the late, lamented Tosh gave me...
Next time you wil be prepared!! ;)
Ian
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cheers ian you are very helpfull , if this happens next time i.ll know what to do.
i hope it dont though :)
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If you have a business account..you may find you will also be charged for a bounced cheque!!
Our previous bank used to charge us £4 for banking a cheque that bounced.
We currently have FREE banking with A&L .... they charge £7.50 for a bounced cheque.
So re-presenting a cheque may cost the customer but may also cost you!!
We always return bounced cheques to customer with letter and charge the bank charge on top. Only had 4 in five years so not too bad.
Steve G
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Tsb charge a fiver now i had 1 bounce just before xmas
paul
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are you trying to say i could get charged for the cheque bonce, ???
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are you trying to say i could get charged for the cheque bonce, ???
don't know who you bank with but if you have a tsb business account then you will be charged a fiver most banks seem to be the same so yeah you probably will.
paul
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YES... If you have a business account more than likely....personal account maybe not.
Check with your bank!
Not very fair really >:( But banks have got to earn money some way :P
Steve G
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if that is the case im going to give him the bill for it , i did not see it on the letter they sent with the cheque , but he has that now anyway with his rubber cheque .
ill phone the bank in the morning.
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just pass on the charge and add a bit on. I was charged a fiver and charged the custy a tenner. Us window cleaners have to make money some how ;D
paul
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My own accounts are with the Halifax and lloydstsb, both personal accounts and on the odd occasion I've had a rubber cheque I've not been charged.
Can't comment about other banks of course, although when I had a business account with Lloyds over 10 years ago (hated being ripped off with charges so cancelled it and have worked off my personal account ever since) I did get charged if I presented a duff cheque...
Quite wrong off course, charges should be met by whoever writes the cheque, not the recipient.
Ian
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My own accounts are with the Halifax and lloydstsb, both personal accounts and on the odd occasion I've had a rubber cheque I've not been charged.
Can't comment about other banks of course, although when I had a business account with Lloyds over 10 years ago (hated being ripped off with charges so cancelled it and have worked off my personal account ever since) I did get charged if I presented a duff cheque...
Quite wrong off course, charges should be met by whoever writes the cheque, not the recipient.
Ian
How did you go about going from a business to a personal account regarding cheques Ian, did you just change who they were made payable to. If so was it a fairly easy process.
thanks
paul
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Yeah, was a piece of cake.
Over time I got so fed up with being charged for everything.
At one point my business account statements were only about 6 lines long on a single sheet of paper yet it was still costing me about a tenner a month in charges (in credit at all times too)
Personal account was about 4 or 5 pages long and totally free.
Hence I binned the business one and worked off the personal one.
I still have my business name of course, but simply ask customers to write any cheques out to me personally.
On my invoices I also have my bank details and give them the option of paying online, which many now do, ditto many of my commercial accounts.
The bank has occasionally queried me about it, but I point out I don't pay that many cheques in and that I am a small, sole trader.
Ian
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Maybe worth looking into a bit more I am currently focusing on getting all customers to pay online but i'm starting to get a bit peed with the amount i'm paying in charges.
thanks
paul
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A shame you returned the cheque, you can re-submit it up to 3 times, and if it bounces each time the guy will get charged by his bank for doing so...so even if you can't get your money out of him, you can at least cost him about £15.00 every time it bounces¬!!
Ian
And you get charged as well ( about £7.50) so don't keep representing it unless you know it will clear.
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ive not got a business acount .
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I have the same as Ian, two personal accounts with HSBC, one I only use for business, and like him the have queried it a couple of times.
I just say Ok I'll close the account, but then they always back down, being doing it for 15 years now, and I don't get charged for rubber cheques either.
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i have been using personal account does it matter there not seperate?
or just convenient to have 2?
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i have been using personal account does it matter there not seperate?
or just convenient to have 2?
Having a separate account for your business makes your book keeping a hell of a lot simpler.
You know that apart from what you draw for wages all credits and debits are business related.
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I was told you do not have to have a business account Just use a trading name and I put on my invioices all cheques made out to my name. A custy question it and I took advice on it.Told no problem.
What I also put in my terms of business a clause stating that all cost of refusal of cheques by the bank will be to the Payer account aswell a legal costs related to the cheque recovery.This is on the back of my invoices.
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its been a week now still no ones got intouch about the bouncey cheque , what next??
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you gota give him a knock
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were :D
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do you recon a week is long enough to wait
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folk who bounce cheques are in a mess . i would have been round there pronto to get cash or a promise of the cash,and back to follow it up . there is a good saying "its the wheel that squeaks,that gets the grease !"
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cheers ill nip round with my grease. :) thanks ill let you know what happens.
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I've had that happen to me a few times. My bank charges me £6.00 so i charge the customer that so im not out of pocket. Had one bounce for £7.00, so with my charge of £6.00 as well, and there banks charge which was £20 it cost them £33 in the end. I don't understand why people give cheques if they ain't got the money in the bank.