"Ignoramus14774" wrote in message
...
On 2009-04-18, Tim Wescott wrote:
On Sat, 18 Apr 2009 01:05:53 -0500, Ignoramus14774 wrote:
I don't believe that you get bounced check charges unless _your_ checks
bounce.

I had quite a few others' checks bounce and my bank did charge me.

What _does_ happen is that the bank has to (by fed. law) say
that the check has "cleared" in three days even if they don't have the
money in hand. Later on, when it becomes clear they won't get the money,
they deduct it from your account.

That could be.

But don't believe me ('cause I may be wrong!) -- go ask the teller
at the bank when you cash the check.

This is a "Wells Fargo" check. I am 100% sure it is fake. Here's the
latest email from the "buyer" (the asking price for the item was $600):

``Hello I***,

Thank you getting back to me promptly.
The reason for the amount $2850 is because of the shipping.
You are to deduct the money for the item and send the
rest to my shipper through WESTERN UNION and as soon as you send me
the
necessary information and my shipper picks up the funds.He will pick
up the item in a day or two as he will be shipping it with my other
items. Send the rest to this person through WESTERN UNION.

*NAME :J**** T****
ADDRESS :1448 E 58 St
Brooklyn, NY 11234*''

That's perty much the e-mail I got.

Maxwell Lol wrote:
pyotr filipivich writes:

So what? It is amazing what you can do with a good quality
printer these days.

AFAIK You buy the blank checks, and use a special cartridge that is
magnetic for the account number. I'm not sure if a laser printer will work.

It will.

--
Morris Dovey
DeSoto Solar
DeSoto, Iowa USA
http://www.iedu.com/DeSoto/

On 2009-04-18, john wrote:
Check with your bank and see if they will do an immediate electronic
transfer of funds from the other bank of that check. They may charge a
fee but it would tell you right away if the check is bogus.

I already know that the check is bogus. I am not sure what is the
point to pay anyone to tell me the same thing.

i

Richard W. wrote:

(...)

The thing to do is if the check is written
on a bank with a branch in your area, go there and just cash it. If there is
enough money in the account you get paid. If there isn't enough money in the
account, you don't get paid.

Except for Washington Mutual, who sometimes refuse to cash checks
drawn on them.

--Winston

--

Don't *faff*, dear.

On Sat, 18 Apr 2009 15:22:50 -0500, Ignoramus10355
wrote:

On 2009-04-18, Bob Summers wrote:
He mailed it to you?! He didn't use FedEx?? That means you can
call meanest law enforcement officers in the Federal Government!
The United States of America Postal Inspectors. I've never
invoked them but I have used the US Mail on occasion so that I
would have that option. Postal inspectors take mail fraud seriously.

No, he Fedexed it. It was sloppy wording on my part.

Oh, this whole thing just screams fraud.

If nothing else, call the bank/company that the "check" is written
on, if they have the real account numbers and routing codes off a
stolen check they *might* want to close that account and open another
- because the scammers WILL try again, and again, and again...

If you want some fun, try baiting them along for a while. /You/
**** in /their/ Wheaties for a change. Invent a cockamamie story
about how "the check never got here" or "The neighbors signed for the
package and stole it themselves, stop that check and send me
another..." and get them to re-send it USPS. Then you can let loose
the Postal Inspectors on them.

-- Bruce --

On Sat, 18 Apr 2009 07:54:26 -0700, "Richard W."
wrote:


"Bill Noble" wrote in message
...

"Tim Wescott" wrote in message
...
On Sat, 18 Apr 2009 01:05:53 -0500, Ignoramus14774 wrote:


i

I don't believe that you get bounced check charges unless _your_ checks
bounce. What _does_ happen is that the bank has to (by fed. law) say
that the check has "cleared" in three days even if they don't have the
money in hand. Later on, when it becomes clear they won't get the money,
they deduct it from your account.

But don't believe me ('cause I may be wrong!) -- go ask the teller at the
bank when you cash the check.

--

tim - I can assure you that you are mistaken - I just recently had a check
someone gave me bounce - my bank charged me $10, his bank may have charged
him something also


That's right, my wife had her paycheck bounce and we were charged $27.00.
You get charged if you bounce a check or someone give you a bad check and
you deposit it in your account. The thing to do is if the check is written
on a bank with a branch in your area, go there and just cash it. If there is
enough money in the account you get paid. If there isn't enough money in the
account, you don't get paid.

Richard W.

Dunno about the hew hess of hay but up here in snowland, the issuing
bank will not cash its own check if you don't have an account there.
At least this was my experience.
Gerry :-)}
London, Canada

"Ignoramus14774" wrote in message
...
I am holding in my hands a forged check that a Craigslist scammer
mailed me. This guy has been spamming me incessantly about all sorts
of stuff that I listed. He did not even remember that I always would
rudely decline his offers to send me extra money and have me wire
money to "his shipper".

So finally I caved in and in response to one posting, he contacted me
and mailed me a check.

I have no doubt that it is forged, however, what I really am curious
about is whether maybe I should talk to some authorities, like police
for example. Have those crooks perfected a police-proof method of
receiving stolen money? Or you think no one will care?

My curiosity was also piqued by the fact that the check indeed had
microprinting and a watermark.

i


Send the check back. Tell him you want the money via Western Union.

DGDevin wrote:
Richard W. wrote:

That's right, my wife had her paycheck bounce and we were charged
$27.00. You get charged if you bounce a check or someone give you a
bad check and you deposit it in your account. The thing to do is if
the check is written on a bank with a branch in your area, go there
and just cash it. If there is enough money in the account you get
paid. If there isn't enough money in the account, you don't get paid.

Richard W.

You can also try to cash a check more than once, provided there is no
fee for you to pay if it won't clear that can be worthwhile to try. Some
banks will even hold the check for you and clear it if enough
money is deposited to the account.

You can ask how much money is required to be deposited in the account to
make the check good. The bank won't tell you, of course. So deposit one
dollar into the subject account, then try to cash the check again. After you
do this about 30 times, an officer will come over and, er, "assist" you.

Maxwell Lol wrote:
pyotr filipivich writes:

So what? It is amazing what you can do with a good quality
printer these days.

AFAIK You buy the blank checks, and use a special cartridge that is
magnetic for the account number. I'm not sure if a laser printer will
work.

Banks and clearing house no longer rely on magnetic ink - it's now all
optical.

Some merchants, however, still have magnetic ink scanners and won't accept a
non-magnetic check (i.e., Sam's Club).

On Sun, 19 Apr 2009 02:49:29 GMT, "LD"
wrote:

Send the check back. Tell him you want the money via Western Union.

My nomination for best damn response!

HeyBub wrote:
Maxwell Lol wrote:
pyotr filipivich writes:

So what? It is amazing what you can do with a good quality
printer these days.

AFAIK You buy the blank checks, and use a special cartridge that is
magnetic for the account number. I'm not sure if a laser printer will
work.

Banks and clearing house no longer rely on magnetic ink - it's now all
optical.

Do you have a source for this?

Some merchants, however, still have magnetic ink scanners and won't
accept a non-magnetic check (i.e., Sam's Club).

I've never had a merchant use any kind of scanner on a check that I
presented at the counter.

"DGDevin" wrote in message
m...
Ignoramus14774 wrote:

This is a "Wells Fargo" check. I am 100% sure it is fake. Here's the
latest email from the "buyer" (the asking price for the item was
$600):

``Hello I***,

Thank you getting back to me promptly.
The reason for the amount $2850 is because of the shipping.
You are to deduct the money for the item and send the
rest to my shipper through WESTERN UNION and as soon as you send me
the
necessary information and my shipper picks up the funds.He will pick
up the item in a day or two as he will be shipping it with my other
items. Send the rest to this person through WESTERN UNION.

*NAME :J**** T****
ADDRESS :1448 E 58 St
Brooklyn, NY 11234*''

Guaranteed scam, the poor slob is Brooklyn is being paid to redirect
packages elsewhere, probably overseas; odds are he'll end up getting
burned too. Such scammers are even using very convincing (but fake)
Postal Money Orders so their victims think there's no way it could be a
scam, but it is.

I'd take this to the police fraud squad, or if the Postal Service is
involved to the Postal Inspector. At least they can have the cops in
Brooklyn alert the re-shipper he is unwittingly being used in a criminal
enterprise.

Post Office will not be involved. Note how he wanted Western Union to do
the transaction. Mention Post Office and they will tell you "NO!" in a
panic.
One I dealt with wanted to do it in person ?? send a courier. So I
mentioned the Post Office...NO way.

On Apr 18, 1:58*am, Ignoramus14774 ignoramus14...@NOSPAM.
14774.invalid wrote:
I am holding in my hands a forged check that a Craigslist scammer
mailed me. This guy has been spamming me incessantly about all sorts
of stuff that I listed. He did not even remember that I always would
rudely decline his offers to send me extra money and have me wire
money to "his shipper".

So finally I caved in and in response to one posting, he contacted me
and mailed me a check.

I have no doubt that it is forged, however, what I really am curious
about is whether maybe I should talk to some authorities, like police
for example. Have those crooks perfected a police-proof method of
receiving stolen money? Or you think no one will care?

My curiosity was also piqued by the fact that the check indeed had
microprinting and a watermark.

i

Take the check and the envelope it came in to the post office and tell
them you want to speak to the postal inspector. Mailing a bad check is
a federal crime. The postal inspectors are real cops, and they DO
collect on this sort of stuff.

Dave Sobel told me that the ONLY ways to pay him are to either put
cash in his hand or mail him a check, for that very reason. He said
that he had great success with the post office cops collecting on bad
checks.

p.

J. Clarke wrote:

Banks and clearing house no longer rely on magnetic ink - it's now
all optical.

Do you have a source for this?

Sorry, no. That's what my banker told me.


Some merchants, however, still have magnetic ink scanners and won't
accept a non-magnetic check (i.e., Sam's Club).

I've never had a merchant use any kind of scanner on a check that I
presented at the counter.

Hmm. Then you don't deal with retail establishments that a) process a huge
volume of checks or b) have dodgy customers. Stores that subscribe to
TeleCheck (and similar) that guarantee the check for a small fee have to
have some fast and easy way to communicate the check's information. These
firms use check scanners.

Recently I wrote a (large) check to a physician. The Telecheck check-reader
thing-a-majiggy went "TILT" and I thought the help behind the desk was going
to fidget to death!

The problem was a miss-read.

Feeding the check through the machine again yielded a green light and they
quit beating me.

What seems annoying to me is that with today's technology, banks should be
able to verify a check and instantly transfer funds. I can use my debit
card at a store, get approved in a couple of seconds, and it show up on my
account that day.

RogerN


"Ignoramus14774" wrote in message
...
I am holding in my hands a forged check that a Craigslist scammer
mailed me. This guy has been spamming me incessantly about all sorts
of stuff that I listed. He did not even remember that I always would
rudely decline his offers to send me extra money and have me wire
money to "his shipper".

So finally I caved in and in response to one posting, he contacted me
and mailed me a check.

I have no doubt that it is forged, however, what I really am curious
about is whether maybe I should talk to some authorities, like police
for example. Have those crooks perfected a police-proof method of
receiving stolen money? Or you think no one will care?

My curiosity was also piqued by the fact that the check indeed had
microprinting and a watermark.

i

"RogerN" wrote in message
...
What seems annoying to me is that with today's technology, banks should be
able to verify a check and instantly transfer funds. I can use my debit
card at a store, get approved in a couple of seconds, and it show up on my
account that day.

RogerN

They can do transfer funds with a check also. What cannot be done is to
verify if the check or your debit card was stolen. I can prove it. Send me
your debit card (FedEx or courier) and I'll make a purchase with it. This
is, of course, for testing purposes only.

"Ignoramus14774" wrote in message
...
I am holding in my hands a forged check that a Craigslist scammer
mailed me. This guy has been spamming me incessantly about all sorts
of stuff that I listed. He did not even remember that I always would
rudely decline his offers to send me extra money and have me wire
money to "his shipper".

So finally I caved in and in response to one posting, he contacted me
and mailed me a check.

I have no doubt that it is forged, however, what I really am curious
about is whether maybe I should talk to some authorities, like police
for example. Have those crooks perfected a police-proof method of
receiving stolen money? Or you think no one will care?

My curiosity was also piqued by the fact that the check indeed had
microprinting and a watermark.

i

I have had 2 of these in a week on an $800 item. The last one I e mailed and
said I did not quite understand his e mail. Would he send me his phone
number. That took care of it. No reply. I knew they were a scam. WW

RogerN wrote:
What seems annoying to me is that with today's technology, banks should be
able to verify a check and instantly transfer funds. I can use my debit
card at a store, get approved in a couple of seconds, and it show up on my
account that day.

RogerN


Which is why we shouldn't even be using checks.... ever.

Especially in front of in line. :-)


--

-MIKE-

"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
http://mikedrums.com

---remove "DOT" ^^^^ to reply

"-MIKE-" wrote in message
...
RogerN wrote:
What seems annoying to me is that with today's technology, banks should
be able to verify a check and instantly transfer funds. I can use my
debit card at a store, get approved in a couple of seconds, and it show
up on my account that day.

RogerN


Which is why we shouldn't even be using checks.... ever.

Especially in front of in line. :-)


No cash either... only debits via scans of embedded chips will keep the
criminals away. ;~)

Brad Bruce writes:

My curiosity was also piqued by the fact that the check indeed had
microprinting and a watermark.

i

DO NOT DEPOSIT IT!!!!

The offender can get your bank account number.

I don't see how, as the account # on the check is faked. In fact,
they don't care about the check. They just care about the money you
are goin g to wire them.

-MIKE- writes:

FrozenNorth wrote:
On Sat, 18 Apr 2009 11:22:27 -0500, -MIKE- wrote:

Oh, so the check may be stolen, that would explain it.

i
It's very common for criminals to get their hands on checks with valid
signatures, bleach out the "pay to" and "amount" sections and write in
other names and amounts.

Newer check producing technology combats this.

While that is true in theory, it doesn't work out in practice,

Hmmm, it's worked for years in practice.

That's why he said "Newer technology combats this"

"John Grossbohlin" wrote in message
m...

"-MIKE-" wrote in message
...
RogerN wrote:
What seems annoying to me is that with today's technology, banks should
be able to verify a check and instantly transfer funds. I can use my
debit card at a store, get approved in a couple of seconds, and it show
up on my account that day.

RogerN


Which is why we shouldn't even be using checks.... ever.

Especially in front of in line. :-)


No cash either... only debits via scans of embedded chips will keep the
criminals away. ;~)


They should be implanted in your right hand or forehead!

RogerN

Maxwell Lol wrote:
-MIKE- writes:

FrozenNorth wrote:
On Sat, 18 Apr 2009 11:22:27 -0500, -MIKE- wrote:

Oh, so the check may be stolen, that would explain it.

i
It's very common for criminals to get their hands on checks with valid
signatures, bleach out the "pay to" and "amount" sections and write in
other names and amounts.

Newer check producing technology combats this.
While that is true in theory, it doesn't work out in practice,
Hmmm, it's worked for years in practice.

That's why he said "Newer technology combats this"

That's why *I* said that. :-)


--

-MIKE-

"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
http://mikedrums.com

---remove "DOT" ^^^^ to reply

"RogerN" wrote in message
m...

"John Grossbohlin" wrote in message
m...

"-MIKE-" wrote in message
...
RogerN wrote:
What seems annoying to me is that with today's technology, banks should
be able to verify a check and instantly transfer funds. I can use my
debit card at a store, get approved in a couple of seconds, and it show
up on my account that day.

RogerN


Which is why we shouldn't even be using checks.... ever.

Especially in front of in line. :-)


No cash either... only debits via scans of embedded chips will keep the
criminals away. ;~)


They should be implanted in your right hand or forehead!

In the forehead... that way the retina scan will be able to verify the
identify at the same time. ;~)

On Sun, 19 Apr 2009 05:45:33 -0400, "J. Clarke"
wrote:

HeyBub wrote:
Maxwell Lol wrote:
pyotr filipivich writes:

So what? It is amazing what you can do with a good quality
printer these days.

AFAIK You buy the blank checks, and use a special cartridge that is
magnetic for the account number. I'm not sure if a laser printer will
work.

Banks and clearing house no longer rely on magnetic ink - it's now all
optical.

Do you have a source for this?

Some merchants, however, still have magnetic ink scanners and won't
accept a non-magnetic check (i.e., Sam's Club).

I've never had a merchant use any kind of scanner on a check that I
presented at the counter.

You've never had them scan a check then hand it back to you? Checks
are often converted to EFTs now (have been for *years*). Some simply
destroy the check (perhaps so you don't get upset) while others will
hand it back for you to destroy. The wonders of modern banking. :-(

In article ,
Ignoramus10355 wrote:
:On 2009-04-18, john wrote:
: Check with your bank and see if they will do an immediate electronic
: transfer of funds from the other bank of that check. They may charge a
: fee but it would tell you right away if the check is bogus.
:
:I already know that the check is bogus. I am not sure what is the
oint to pay anyone to tell me the same thing.

Perhaps you could find a bank in Nigeria that would cash it.

Poetic justice, and all that.

--
Bob Nichols AT comcast.net I am "RNichols42"

Ignoramus10355 wrote:

:I already know that the check is bogus.

Got a TV station in your local market with an "Investigative"
reporter?

If they don't want the story, they know who will follow the trail.

Lew

On 2009-04-19, Edward A. Falk wrote:
In article ,
cavelamb wrote:

Deposit it in your bank and wait for it to clear.
That's the real test.

Extremely bad idea. The check will clear, and 2-3 weeks later, the banks
will realize it was forged. Then they'll come after you to get their money
back.

I have no doubt that the check is fake, but I wonder about
something. The "issuing" bank is Wells Fargo. Why would it take so
long for the check to be found forged? Why not a day or two?

i

krw wrote:

.... snip
You've never had them scan a check then hand it back to you? Checks
are often converted to EFTs now (have been for *years*). Some simply
destroy the check (perhaps so you don't get upset) while others will
hand it back for you to destroy. The wonders of modern banking. :-(

Yeah, that is really frustrating. I have been saved numerous times in the
past having a cancelled check in my possession to show payment. One of the
reasons I kept my bank account in Texas when I moved to Tucson was because
cancelled checks were returned to me. Now, I very seldom get a cancelled
check -- most of the checks are scanned and destroyed by the receiver.

If I'd have wanted electronic fund transfer, I'd have set up electronic
fund transfer.

--
If you're going to be dumb, you better be tough

Rick Samuel wrote:

I'd take this to the police fraud squad, or if the Postal Service is
involved to the Postal Inspector. At least they can have the cops in
Brooklyn alert the re-shipper he is unwittingly being used in a
criminal enterprise.

Post Office will not be involved. Note how he wanted Western Union
to do the transaction. Mention Post Office and they will tell you
"NO!" in a panic.
One I dealt with wanted to do it in person ?? send a courier. So I
mentioned the Post Office...NO way.

Figures, the Postal Inspectors are hard-asses, them and Customs have powers
the cops only wish they had.

On Apr 18, 11:26*am, " wrote:
On Apr 18, 6:58*am, Ignoramus14774

I have no doubt that it is forged, however, what I really am curious
about is whether maybe I should talk to some authorities, like police
for example. Have those crooks perfected a police-proof method of
receiving stolen money? Or you think no one will care?

I would start with a local branch of Well Fargo. *If they are not
interested, I would use the internet to find the police in Brooklyn
where the funds were to be sent, and notify them. *I would think they
would be interested in anyone in their jurisdiction.

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Dan

See Len's answer above.

Why jerk yourself around when the various authorities are in place
and, supposedly, protecting us from this kind of fraud. OR are the all
standing at airport scanners telling people to take off their shoes?

I got a letter and check from some bunch of clowns in Ontario a few
weeks ago. I'm waiting to see if there's any investigation or
crossborder cooperation.

"
No cash either... only debits via scans of embedded chips will keep the
criminals away. ;~)


They should be implanted in your right hand or forehead!

In the forehead... that way the retina scan will be able to verify the
identify at the same time. ;~)


AHHHHHHH!!!!!!! MARK OF THE BEAST!!!!! Yells the devout consertive
Christian and all his like minded consertive buddies

Bruce L. Bergman wrote:
On Sat, 18 Apr 2009 00:58:35 -0500, Ignoramus14774
wrote:

I am holding in my hands a forged check that a Craigslist scammer
mailed me. This guy has been spamming me incessantly about all sorts
of stuff that I listed. He did not even remember that I always would
rudely decline his offers to send me extra money and have me wire
money to "his shipper".

So finally I caved in and in response to one posting, he contacted me
and mailed me a check.

I have no doubt that it is forged, however, what I really am curious
about is whether maybe I should talk to some authorities, like police
for example. Have those crooks perfected a police-proof method of
receiving stolen money? Or you think no one will care?

My curiosity was also piqued by the fact that the check indeed had
microprinting and a watermark.

Rule #1: You can't defraud an honest man. If you get greedy, that's
when you get burned - you want to believe.

If it was me, I'd see if there is a branch of the bank the check is
drawn on anywhere nearby you can go to and cash it directly - and if
they won't hand you the cash money right now, "that's okay - make a
copy of the check, and when you are certain that it's good I'll come
back and we can exchange the original check for the money."

The bank CAN stop a "Cashiers Check" if they claim fraud, so that's
not an acceptable exchange substitute.

If they do cash it but they take a fee for you being a
"non-customer" just subtract that from what the guy wants you to send
to "his shipper." And if it proves to be a fraud, frame it on your
office wall for a reminder.

Local law enforcement and the local District Atty. CAN do something
about it, the problem is that first you have to get them out of the
Donut Shop or Starbucks long enough to do it... ;-)

Everything Bruce says...

I've been told that a deposited check in
your account can still be disputed up to
60 days later. The only thing good is cash
from the issuing bank.

The local cops and the postal inspectors don't have time for this stuff.
staple the check to a wall in the shop, and collect more! It gets more fun
when they threaten to call the police if you don't send the "remittance".
Torment the pricks, it's fun. Make them waste their time by asking them to
mail confimation of bank numbers and addresses, get a phone number you can
call collect.

"Stupendous Man" wrote in message
...
get a phone number you can call collect.

From a satellite phone.
LOL

JC

Gerald Miller wrote:

Dunno about the hew hess of hay but up here in snowland, the issuing
bank will not cash its own check if you don't have an account there.
At least this was my experience.


That is a good bank not to have an account with. Some local banks
around here refused to open an account for me, since my only income is a
monthly VA disability. They were sure I would bounce checks like crazy
on that small income. So I left my money in the Credit Union across
town, where I've had an account since '97 and never bounced a check.


--
You can't have a sense of humor, if you have no sense!

"Michael A. Terrell" wrote:

That is a good bank not to have an account with. Some local banks
around here refused to open an account for me, since my only income
is a
monthly VA disability.

Just curious, have you ever considered direct deposit?

Lew

"sweet sawdust" wrote in message
...

"
No cash either... only debits via scans of embedded chips will keep the
criminals away. ;~)


They should be implanted in your right hand or forehead!

In the forehead... that way the retina scan will be able to verify the
identify at the same time. ;~)


AHHHHHHH!!!!!!! MARK OF THE BEAST!!!!! Yells the devout consertive
Christian and all his like minded consertive buddies


LOL

On Sat, 18 Apr 2009 20:43:11 -0400, Gerald Miller
wrote:

Dunno about the hew hess of hay but up here in snowland, the issuing
bank will not cash its own check if you don't have an account there.
At least this was my experience.

First I've heard of that. Sounds like you may have gotten a new,
inexperienced teller. A bank cashing a check drawn by one of their
depositors is performing a service for their customer, not for you.

Tom Veatch
Wichita, KS
USA

On Apr 20, 2:19*pm, "Stupendous Man" wrote:
The local cops and the postal inspectors don't have time for this stuff.
staple the check to a wall in the shop, and collect more! It gets more fun
when they threaten to call the police if you don't send the "remittance".
Torment the pricks, it's fun. Make them waste their time by asking them to
mail confimation of bank numbers and addresses, get a phone number you can
call collect.

While wasting your own time. I'd ratehr work in the shop or pet my dog
or talk to my wife or...