Bounced cheque

emmad25

Hi, can anyone advise me. I recently sold something on ebay and the cheque bounced, can i re submit the cheque even though it bouced and the cheque has been stamped refer to drawer. it drives me mad that people can get away with doing this, it is unlikely it will bounce again as I know the girl has good feedback and her wages didnt go into her account, but she wont send another cheque

Sorry if this is in the wrong place

inmypocketnottheirs

Hi there. Not good news I am afraid; if the cheque is stamped 'refer to drawer' then you can not represent it. Normally speaking your bank would automatically represent it if it said 'refer to drawer, please represent'. As a generalisation if the paying bank expects that the account will be credited they put the please represent bit on the cheque. If they do not feel that money will be paid in they then just put refer to drawer.

Your best option is to contact the seller and give her an option to pay up before you leave negative feedback. But this probably would mean she would then leave negative for you, which is not really fair.

If she won't pay up, and you have her address details then you could start proceedings in the small claims court.

ALternatively, you could try putting the cheque in again, if your bank doesnt notice the stamp on the cheque, or if you have a word with the cashier, they might be OK with putting it through again. Bear in mind though your customer will have been charged probably £35 for the bounced cheque and this will have increased the overdrawn balance.

Hope this is of some help

soolin

You might want to move this across to the ebay board as you may get some more relevant responses.

However, a cheque that says refer to drawer, as opposed to refer to drawer please represent, is unlikely to be honoured. A refer to drawer cheque usually means something more serious than just insufficient funds so the story you have been given by the buyer might not be 100% true.

You don't have a lot of comeback unfortunately, you can try calling the buyer, many ebay users aren't aware that their details are available and can be panicked a little into paying when they get a phone call. Otherwise, start the Non paying bidder process on the buyer, again that often panics them into paying up as too many NPB strikes will lose them their ebay account.

Soo

***trumpeter***

soolin wrote:

many ebay users aren't aware that their details are available and can be panicked a little into paying when they get a phone call.

Where can one find an ebayer's details, please? I've had a cheque returned and I'd like to follow it up a bit. mtia.

Best wishes, Neil

inmypocketnottheirs

I am sure that there is a way of getting this information from the My Ebay section of your account. However, you have the buyers name and postal address presumably. Out of interest how much are we talking about? Where abouts (county) is the buyer and whereabouts (county) are youz?

soolin

To get the contact details of a user you are in a transaction with go here:

http://search.ebay.co.uk/ws/search/AdvSearch?sofocus=bs&sacat=-1&catref=C5&from=R7&nojspr=y&fsop=1&fsoo=1&fcl=3&frpp=50&sofindtype=9&pfid=

That will give partial street address but more usefully a telephone number.

Soo

***trumpeter***

soolin wrote:

To get the contact details of a user you are in a transaction with go here:

That's the one. Many thanks.

Best wishes, Neil

***trumpeter***

inmypocketnottheirs wrote:

Out of interest how much are we talking about? Where abouts (county) is the buyer and whereabouts (county) are youz?

Only £17, Cambridgeshire,Gwent.
Fortunately I paid it into a building society account, so I didn't get clobbered for bank charges. The address he gave me appeared to be a business address (Unit 4...) but turns out to be his house address! Obviously I should have waited for the cheque to clear before posting the goods, but I've always tended to post things once the cheque is received and never had a problem before.
Isn't it sad that someone is willing to do this sort of thing for a paultry £17. He has ignored half a dozen emails over a period of two months. He is, incidentally (name and shame):

:: Name and Address removed for privacy - Edited by FM ::

JanCee

emmad25 wrote:

Hi, can anyone advise me. I recently sold something on ebay and the cheque bounced, can i re submit the cheque even though it bouced and the cheque has been stamped refer to drawer. it drives me mad that people can get away with doing this, it is unlikely it will bounce again as I know the girl has good feedback and her wages didnt go into her account, but she wont send another cheque

Sorry if this is in the wrong place

Cross our the refer to drawer stamp and pay it back in. There is nothing to stop you doing this. Because the charges for bouncing cheques are so high banks will automatically use RD instead of RDPR for small amounts.

If you look at it from the buyers point of view, they would be charged for the original returned cheque, they would have to put a stop on the cheque if they sent a replacement and would have to pay another charge for that. I am not taking their side but you can see that it would end up costing them even more money.

Good luck.

robnye

trumpeter.
please remove the persons name and address details from your reply above,

it is in breach of the forum rules

***trumpeter***

robnye wrote:

it is in breach of the forum rules

Sorry, I should have read them, I admit!

Best wishes, Neil