Telecheck

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Is Telecheck a collection agency? I accidentally bounced a check to Wal-Mart. Somebody saying they were Telecheck called and said if I didn't pay the check plus $30 by April 13 they would add all kinds of fees and such. They started calling at 8 a.m. on Friday. In Ohio the laws say they must send something in writing:


Quote:

A creditor may recover from a person who issued a dishonored check compensatory damages to the extent of the value of the check plus service charges, liquidated damages, costs, and reasonable attorney fees if a written demand in a prescribed format was sent to the person, and no payment or agreement for payment was made within thirty (30) days of the written demand.

The amount of the liquidated damages may be a minimum of $200 or three (3) times the amount of the amount of the check and all bank service charges.(O.R.C. 2307.61(A)(1)(b).)

The written demand must be sent by certified mail with return receipt requested, and generally must contain a conspicuous notice to the person upon whom the demand was made, a description of the property, a notice that if payment or agreement for payment was made within thirty days that no civil action can be brought, and that if payment or agreement for payment was not made within that time period that legal action would be pursued. The creditor is also required to
specify in the notice the potential judgment which that person may be required to pay, and that person's right to damages, reasonable attorney fees and costs in defending the case if the creditor does not prevail in the action. (See O.R.C. 2307.61(C).)




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Sub: #1 Yes, Krystal you can. Depending on your state laws, you could be
Thu, 06/18/2009 - 04:10

Yes, Krystal you can. Depending on your state laws, you could be taken to court. Depending on the amount possible jail time. I would contact telecheck to resolve this matter and get your check paid.




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Sub: #2 I BOUNCED A CHECK AT WALMART
Mon, 12/29/2008 - 04:12

I WROTE A CHECK TO WALMART 2 DAYS PRIOR OF RECEIVING MY DIRECT DEPOSIT FROM WORK, HOPING THAT WALMART WOULDNT CASH IN UNTIL AFTER MY DEPOSIT HAD BEEN MADE. WELL UNFORTUNATELY THE CHECK BOUNCED AND IT WAS RETURNED. BECAUSE OF BAD TIMES I TOOK ADVANTAGE OF THE MONEY AND USED SOME OF IT WITH ALL INTENTIONS OF REPLACING IT AND PAYING WALMART BACK IN A FEW WEEKS. WILL I GET INTO TROUBLE NOW? I HAVENT BEEN ABLE TO SLEEP WORRYING ABOUT THIS MATTER.




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Sub: #3 telecheck
Mon, 11/17/2008 - 15:28

can you be put in jail like writting a bad check if cant pay them




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Sub: #4 I wrote a bad check to walmart and want to clear the record
Sun, 10/12/2008 - 08:49

How can I resolve the situation?




cannr

Posts: 9319
Credits: 129842.7

Sub: #5 worried, could it be that you received no notification of the ch
Wed, 03/05/2008 - 15:56

worried, could it be that you received no notification of the checks not clearing because your bank was closed down? In the case of the Walmart checks, yes, you can still "get into trouble" for bad checks if they so desire to take you to court, even if you didn't receive notification. I hate to give you bad news, but I'm being honest here. Your best bet is to get these babies paid off, get a receipt showing they are paid, and get your checks back from them. Then they shouldn't be able to pursue further action since you've paid them, you have your checks, and you have a receipt showing paid.




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Sub: #6 TELECHEX-WALMART
Tue, 03/04/2008 - 08:33

I had been banking with NetBank that the FDIC closed down. At that time, I had written two checks to Walmart. Worried that they had not cleared, I have called Walmart who advised me they had been sent to telecheck. I had no notification at all from Walmart or Telecheck that the checks were out there. I had to go hunt them down. I just spoke to Telecheck who when advised I can make the payment on 3-14-08 they said it could still go to the courts since they were so old. When asked why I hadn't received any written notice they said because Walmart sends the checks electronically and there was no information. Can they really send this to court without having notified me?




kashzan
Posts: 5404
Credits: 40830.4

Sub: #7 Jim. Why cant your bank settle this for you. If was their mistak
Sun, 02/24/2008 - 07:47

Jim. Why cant your bank settle this for you. If was their mistake they should be sending out letters toi the different agencies to that effect.




cannr

Posts: 9319
Credits: 129842.7

Sub: #8 I think this is a good question for MCA in the banking forum. Al
Sun, 02/24/2008 - 06:49

I think this is a good question for MCA in the banking forum. Also, maybe we could remove the email from the post?




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Sub: #9 PAYMENT ON CHECK
Sat, 02/23/2008 - 21:09

I recently paid on a check that I had written 2 yrs ago that I just within the last week was made aware of. My question now ,will I now be able to open a checking account,since this debt has been settled? Please let me know what the procedure is after this.My e-mail is"ropowell2002@yahoo.com. Thank you in advance....Ronn Powell




Unregistered

Sub: #10 Telecheck
Mon, 09/10/2007 - 14:08

The Bank messed up and bounched 18 Checks. I paid all them with a Money order for each. telecheck has only given me credit for one of them. I had to write them a letter with a copy of one of the money orders. They read what they want to out of the letter and give me credit for the one. The otherers they have just kelp my money and think I will pay it again. I am now seeking others who this has happened to. I want to get a group together and sue Telecheck




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