Making America the same again
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7 years ago
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cattyles
7 years agoscone911
7 years agoRelated Discussions
Credit Union trying to make us pay twice for same check!
Comments (20)(I have deposited more-than-a-year-old checks and had them clear; I can understand why your DH did this, as well as him not noticing. Also, my next-door neighbors were getting old a senile, and didn't cash pension checks; they got a letter saying "did you get your check? it hasn't been cashed? but it was many months later, and it was several checks still on the DR table, not one check) when they took the money out of your savings account, did they give the "defective" check back to you? Shouldn't they have? Demand it be returned to you. (a lesson to us all--if we are giving a bank money back for a check, we should get the check physically returned to us) Unless they submitted it all over again? Here's what I think happened, if I understand this right. (some queries, though) 1. You give them a check, they give you cash. 2. They send the check to the central clearing house (the Federal Reserve?) to get their money. 3. The central clearing house gives the CU its money, and sends the check on to GM to get the money back from them. 4. GM sends the check--but no money--back to the central clearing house as "defective"'; the central clearing house is still in need of money. 5. The central clearing house sends the check back to the CU as "defective" and wants its money back from them. I would think the CU would have an account of money it would use to cover this; it pays the central clearing house, and the central clearing house is out of it. 6. the CU brings the check back to you, and says they want that money back; they take it out of your account. THEY SHOULD GIVE THE CHECK BACK TO YOU--it is your property, once they have their money back. At the very least, they should have destroyed it, but really they should have given it to you so YOU could destroy it. I'm thinking this is where the CU goofed, and I'd press this point. 7. You get a replacement check, and submit it, and the "you to the CU to the central clearing house to GM" chain works, this time. (can you get the folks at GM to send you a copy of their canceled check, the replacement one that supposedly worked just fine? Might be nice to have) Suddenly the old "defective" check is around. (Sometimes if a check is returned for "insufficient funds," the bank will resubmit it, just in case the money will turn up. They will bill the depositor $15, and then if it's returned twice, they'll bill another $15; the check-writer's account will get billed as well each time; this was unpopular, so some banks don't make a second attempt. I'm wondering if your "defective" check got slipped into the "insufficient funds" category and was REsubmitted? So, let's postulate: 8. The credit union resubmits the check to the central clearing house (Federal Reserve?) to get the money. BUT IF THIS IS THE CASE, then they should have RECREDITED your account when they RESUBMITTED the check. (because if they don't give you any money, then they shouldn't be getting any money from anyone else--it's not their money, it's yours, they're just the "pipe" to move it around) Did they? If you can get them to trace their records of when the check was submitted, can you insist that they DO credit your account w/ the money, on that day? 9. The clearing house (FR?) gives the CU the money, and sends the "defective" check on to GM. 10. GM marks the "defective" check w/ a confusing note that was *intended* to indicate that this check has been replaced w/another check, and sends it, but no money, to the clearing house (FR?) 11. The clearing house sends the check back to the CU, demanding its money back. 12. The CU comes to you demanding the money that it owes to the FR. So, did they "give you money" for that check twice (once in cash, once by crediting your account)? No, you say--but if this is what happened, then they should have. Or else someone put that check in the wrong stack somewhere--and I'd want to SEE that check, and I'd want to try to figure who where the "in lieu of" came from. So they should have given you money twice, and asked to get money back from you twice. Maybe if that's the chain of events, you can make them re-credit your savings account w/t he money they owe you from having resubmitted the check (treating it as though you deposited it all over again), and then they can take it back out again. Good luck!...See MoreP & G Making Changes Again to Powder Detergent
Comments (5)The only way I afford P & G products is to keep the coupons they put out every month or so...then wait. Usually within a couple of weeks you can find them on sale someplace, if not, hang on to the coupons there will be a sale eventually. Then, and only then, combine the coupon with the sale and you can find some killer deals. If you can, get copies of those coupons from your friends and family and if you find a great sale someplace buy out the store. Toilet paper never goes bad. Don't be fooled into using the coupon without the sale though, or you will still pay too much. I too love Charmin, Tide and hubby likes the fusion razors....See MoreMarried same man twice, should I divorce him again...
Comments (5)It might have more to do with your husband's, uh, neediness?, devotion?, obsession?, than with something being wrong with you. You dated in college, got engaged, *broke up*. One thought that occurs is that, since he "followed" you, you equated it with true love. so you got married. didn't work, so you *divorced*. but he was still around, & after all he was your child's father, so you re-married, & now you have another child. & now you're thinking about *divorce*. Maybe you're together now because he's persistent & you (like so many of us) find it hard to say no. Maybe you need some time alone, maybe some counselling alone, to see your own direction more clearly. I wish you the best....See MoreMake America Classical Again
Comments (22)Uhh, this is actually what Moynihan said:” Major emphasis should be placed on the choice of designs that embody the finest contemporary American architectural thought,” writes Moynihan, pointing out that this emphasis must “flow from the architectural profession to the Government, and not vice versa.” This is fundamentally different from dictating a style of architecture and having it decreed by the government. Under the proposed executive order we would not have the Hirschhorn, the East Wing of the National Gallery or the new African American museum. It really doesn’t have anything to do with Trump per se. It’s a stupid idea no matter who proposed it and I’m sure a Dem would get blow back too. The idea did not work out well in the case of Stalin as I’m sure you would agree....See Morejust_terrilynn
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