jmbfestool
Member
- Joined
- Jan 9, 2009
- Messages
- 6,646
nickao said:WarnerConstCo. said:Check or money order is easy.
What's a check? I have not used any checks for my checking account in the last 5 years. Actually, I never purchased any checks and do not have any physical checks for any of my accounts. It has helped my home and business accounting ten-fold since only using debit cards.
As a seller on the internet Checks and money orders are are not easy, the checks are huge hassle and I gladly will pay the 2% rather than get checks, wait for them to clear(in some states I have to wait 21 days!) and then explain again and again to the client though they paid 30 days ago they have only been on my wait list for 7 days.
Pay by check and you may have to wait 2-3 weeks until you get the item you purchased. If one guys bounces a check that alone is not worth the hassle for the person selling.
If you have a paypal account you do not have to wait to fund the account, you can use a credit card through your paypal account. Just add your credit card(or debit card)to the profile, make the purchase and then delete the credit card from your file if you do not want to let paypal keep the credit info.
I no longer have a paypal account, but I would take two if you can take credit cards through paypal, Amazon Pay or Google check out without having to have one of their accounts, again they all offer that.. Making people get a paypal account should not be mandatory.
I don't know how its in other countries but cheques in the UK actually don't clear for a month or more even a year. It will be cleared and the funds become available in 5 days or less depending if your with the same bank as the cheque but the bank has the right to claim the funds back at anytime which is what happened to me.
(This happened 4 years ago) I was selling my car Ford Focus ST170 ?9 000 pounds. I got this email saying I want to buy your car. So I replied of course saying when you wanna meet and stuff.
He replied saying I will send you a cheque of ?13 000 pounds and some one will pick the car up. I was like sound. So I gave him my adress and the next day I got my cheque of course like all of you properly thinking now why would he pay more money than the asking price and ofcorse I asked him. He said ?3 000 pounds is for the shipping of the car and ?1000 pounds is for you inconvenience. I was like okay then. So any way I went to the bank and handed the cheque in but while I was their I was asking questions about this cheque like when it clears is the money mine and the woman said straight away NO if later we find the money is fraudulent we well ask for the money back.
I said can this happen any time?!?
She said it can be taken of you months or even a year later.
I said that isn't fair
She said that's how the system works
I said so why do you clear the funds to me then?
She said we give you the money so we are out of pocket for a bit till the other bank gives us the money and if they don't have the money we ask for the money back from you.
I said that's pathetic with all this super faster internet you should be able to see if the other bank has the money straight away.
She said no takes a while before its all sorted.
So any way I went back home this guy called my mobile. Gues what?!?!? He sounded Nigerian. He said now send the ?3000 through western union my mate needs to money so he can pay this guy to pick up your car I was like yeah yeah.
Any way he kept on calling have you done it. I said im wait till it clears before I even think of doing anything. His voice changed abit and he sound bit angry. Any way the cheque cleared I went to a ATM and checked my acount and yes I had ?13 000 pounds in my bank I was like WICKED!!!!!!!!!!!!!!! He called me again sounded angry saying: you need to send the money now. I was like F**** *** dont raise your voice to me and any way every one knows western Union is non traceable money im not stupid you want me to send my ?3 000 pounds of real money and then the bank is going to ask for the money back and im not going to have it and I hung up.
Gues what 2 days later I got a letter of my bank saying their was no funds from the other bank so we have taken the ?13 000 pounds out of your acount.
Lucky one their I could of been 3 000 out of pocket he wasnt interested in the car at all.