[Shaun_Ashmore]

Wouldn't be small claims court though.

Shaun

[clinton]

 

[ross12345]

just to let u no if the sum oweing to u is less than £600 pounds there is nothing more than u can do u can get a jugement put on her and thats as far as your be able to go and your have to pay court a £30 pound fee to do this iv been thro this so many times now i onley take cash from custys now

[Shaun_Ashmore]

Perhaps a little scare if I don't get the cheque, personally I think it may be a visit to her shop but the thing is it's mile away.

Shaun

[Jim_77]

Let's not get too far ahead of ourselves here!

As said above... Call and politely explain the situation, most "decent" customers are mortified if their cheques bounce.

The way you have to approach it initially is to broach the subject with them, bearing in mind that you need to remain discrete, friendly and on their side.  If it's a genuine mistake and you get shirty you've lost a potential repeat customer and their referrals all because of an oversight on their part.

Only after the softly softly doesn't work should you get a bit more assertive.  This reminds me, I've got a domestic customer with a bill outstanding from last October... time to polish up the knuckle dusters

[expro]

IF all the other ways fail tell her you will display the cheque in your van window for everyone to see.

[Shaun_Ashmore]

Jim you are right and I'm not going in with a bullish attitude at first but from the meet and greet with this customer I can see problems, I'm just getting tooled up.

Shaun

[clinton]

Think you always know if there are going to be probs and if you think it yourself shaun :

[daysdeepclean]

I'm off to do a job now and the "Hippy" type fella said to let myself in as he won't be there until later on! I have a feeling about it so if the money isn't there I won't do the job... What got me was I said the job would be £70, he said oh, well we've got a hundred quid for you here Alarm bells started ringing!

[Doctor Carpet (Ret'd)]

Shaun

Did she not have a cheque guarantee card?

Assuming she did and it was limited to £100 (as most are) then the best course of action is to take 2 cheques off her. £100 and £50. But here's the clever bit. You need to ensure you don't pay them in on the same day-if she doesn't have enough funds to pay both, the bank is entitled to "bounce" the second and any further cheques issued on the same day to the same payee.

Present them on different days and any guaranteed cheque has to be honoured.

The only time I do insist on guarantee cards is when somebody is moving out of premises for this very reason.

Hope this helps you in the future if not now.

Roger

PS What was the answer on the returned cheque? Was is a simple "Refer to Drawer" or was it a longer statement?

[derek west]

shaun
how long did it take from paying it in to getting it back?
derek

[Shaun_Ashmore]

About 3 weeks.

Shaun

[Glynn]

Shaun
This is where a mobile terminal comes in !.

[Shaun_Ashmore]

It was a company cheque so no guarantee card.

Shaun

[Doug Holloway]

Hi Guys

Shaun have you represented it.

I had a night club 500 Pounds , took me 4 weeks to get cheque with much hassle, cheque bounced.

After calming down I represented the cheque and it cleared.

Cheers

Doug

[Shaun_Ashmore]

You may be right but I'm expecting a fight mainly because of the person and who she is and acted like! I'm pretty thick skinned but she was someything else!

Shaun

[derek west]

doug
sorry for being a thicko but what do you mean by represented?
do  you mean try again and put it back in the bank?
derek

[Joe H]

Banks often do that for you - represent the cheque, different day maybe funds have come in to the account. Happened to me recently - unfortunately funds still no there but I got paid.

There is usually a bank charge on you if a cheque bounces. My bank charges £6.

[jasonl]

Shaun , ,give us the address ,, ill have the cash by tomorrow night .

[Doctor Carpet (Ret'd)]

Derek

There are many answers you can get on a cheque which hasn't been paid. For example:
"Payment countermanded" ie the drawer (the person who wrote the cheque) has put a "stop" on the cheque. Perhaps because customer was unhappy with the work undertaken. It's what you would also do if a cheque was lost in the post or your chequebook was stolen.

"Customer deceased" - speaks for itself. Although the customer is dead there is still a liability and you would then have to claim against the deceased's estate.

"Refer to Drawer-Mandate cancelled" - Perhaps on a joint account, husband and wife about to divorce, then both parties would have to sign the cheque as opposed to just one or the other.

"Refer to drawer-please represent"-not enough funds or high enough overdraft to pay the cheque at the moment but there may be once it is presented again. The collecting bank ie. the branch where you paid it in will do this for you and should arrive at the account upon where it is drawn 3 days after it might originally have been paid. A typical example of this would be if the first time it was presented was the day before payday but the next time it is presented will be the day AFTER payday and hence have more chance of being paid.

"Refer to Drawer" - not a chance of being paid. In other words you'll have to get paid in some other form-(good luck)!

Hope the explanation helps.

Roger