johnbelk

"Greetings Domer911,
Domestic Canines have few alternatives in their monotonous lives i.e., eating, sleeping, powder-room and grooming. However, haven observed bizarre and ludicrous homo-sapien behavior for nearly a half-million years, we Canines have developed exceptional humor, levity and satire capabilities.
While slightly misguided, you correctly pointed out that "I" have much time on my paws... I choose to use my unoccupied time to nonparadoxically mock simpleton humans, while many of my colleagues prefer chasing ***** and felines; however I pass no judgment.
JB supports and encourages my satirical obsession....and I support him chasing golf-*****. Ironic? I think not..."

Happy New Year's....and good health throughout!!!

Cheers,
"LugNut"

993MAN

At first I was hopeful there would be a refund, but now, after all this time I'm not so sure.
The chimp these has at least made it entertaining I guess.
Jayintoronto.......every dog has it's day. Karma is a bitch.
Take care, and happy new year.

FLT951

Has the check ever cleared?

JayinToronto

I spoke with a senior account manager on Friday. Got the stupidest response. "All our checks are handled by a third party, we use bla bla. The standard is for a 15 day hold to be put on all US cheques. Since you are a good client of ours with sufficient funds in your account I will release the funds to you. However, there is still the possibility that the cheque doesn't clear at which time the funds will be reversed. This could take up to 90 days."

My response was in so many words that that is complete bull and that I am insisting that they find out for me DEFINITIVELY one way or another ASAP. It was the end of the day on Friday and I got a BS there is nothing she could do about it then, but that she will look into it and get back to me on Tuesday when the banks re-open. She said they used to be able to call and get verification of funds but that they can't do that anymore. Bla bla bla bla bla. Will hopefully have a definitely answer for you guys on Tuesday. What a cluster ever step of this process has been.

Mech33

It looks like it was a Chase check. The best way IMO to avoid bank shenanigans like this is to go directly to an actual Chase bank branch and cash the check to cash on the spot. Since it was written from Chase, they could confirm authenticity / clearance of funds right there while you wait and give you cash. Then you're done...

Domer911

Yep, banks suck and every bank employee at Vice President or below is numb, tired, and stupid. I know what that must sound like, but it is fact, it's been proven, and you can find it on the internet. Banks suck. They hold that **** because they can, not because it's necessary.

JayinToronto

The closest Chase branch is 130km away in NY state. I really didn't think my bank would be this useless and never considered going to the States just to cash the check. Almost makes sense now.

vbb

After following along with this thread over the past few weeks, let me just say this... I hope that this saga is coming to an end, your check clears, and you move on with a lot of wasted time, but only out the shipping charges. Should you have to eat those charges? No, I don't think so. But all-in-all, it's a better result than I think everyone was expecting when this turned south.

I would guess that on the advice of legal counsel, RTF has decided to stop engaging with customers on a public forum. There was a window where a dialogue might have been productive, and RTF could have come in here and helped to ameliorate the customer service disaster that was unfolding, but I think that ship has long since sailed. It's too bad.

On a positive note, and unrelated to the specifics of this thread, Jay, your car looks great if that's your car in your avatar pic. I love the wheels you have on it, the stance, everything. I had a black Porsche before, and although I'm happy to not have to detail my white one nearly as much, nothing looks as good as a freshly detailed black sports car (in my opinion). What wheels and suspension setup are you running in that picture?

993MAN

[QUOTE=JayinToronto;13851202]I spoke with a senior account manager on Friday. Got the stupidest response. "All our checks are handled by a third party, we use bla bla. The standard is for a 15 day hold to be put on all US cheques. Since you are a good client of ours with sufficient funds in your account I will release the funds to you. However, there is still the possibility that the cheque doesn't clear at which time the funds will be reversed. This could take up to 90 days."

That's just a friggin joke. Pathetic. 90 days.

Alan C.

If it is certified it is drawn on the bank. The funds would have transferred to the issuing bank prior the check being written. If the check itself is fraudulent that's another story.

garyever

Intentionally issuing a rubber check, particularly to an important country like Canada, is a felony offense that pulls in the FBI, punishable by long term jail time. i don't think, even Carl or Raz, would be dumb/arrogant enough to get tangled up with that------but then, I've been wrong about those 2 all along?

Domer911

I'd bet a lot of money, a LOT of money, that the check is fine. This is the bank doing the yanking.

I am the Walrus

You can purchase a certified check from the bank, and the next day (and for a significant time after, cancel it before it is "cashed")
So 2 countries, 2 banks, someone can buy and send it and cancel it before you deposit it, and it takes time to sort out)

(They go by other names also, bank draft, money order, certified checks, etc)

Here is the policy of TD which is in Canada and the USA, and it states a 90 day window to cancel a "certified check"
https://www.tdbank.com/tdhelps/defau...ed/v/41416219/

I took a moment and researched it, feel free to correct or add details above.
(Imo he absolutely should have wired the funds due to the history between he and you)
I hope you get your $ back, but now I think you see why the bank holds funds for extended time periods)

Turbodan

Canadian banks hold US checks for 90 days, same goes for US banks holding CDN checks. There is a lot of fraud with international cheques so they don't take the risk.

Turbodan

wires also can be charged back if fraud (for I believe 90 days).