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When I was little I used my mums chequebook almost exclusively for making airline tickets for my stuffed toys. In hindsight she probably wasn't that happy about that.
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Jul 7, 2015 23:55
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Desuwa posted:I can't fathom a 14 year old getting excited about checks like that. Checks are what old people use at the cashier when they want to hold up everyone behind them.
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Jul 8, 2015 00:19
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Horking Delight posted:Uh maybe people lied to me but I thought you could just write "VOID" in big letters over a check and it wouldn't be cashable? Is that not true? OP posted:I didnt realize there was a word you could put on the check to make it fake. I just kept telling them over and over that it was just a souvenir check Yeah this kid was totally duped by his friends.
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Jul 8, 2015 00:22
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I'm having a hard time being all that sympathetic to that kid. Yea, whoever cashed the check is a lovely person, and honestly he should have a chat with that person, probably while holding a baseball bat. But come on.
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Jul 8, 2015 03:01
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Looking through the P2P loans. Hmm, credit grade A5, amount required $28,800. Sufficient income for repayments. Alright what this for? Explanation: Nothing. Loan purpose: Computer. That'd better be a pretty loving amazing computer for that price. I get that feeling that if I asked them for their name the response would be 'computer'.
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Jul 8, 2015 03:04
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$28,000 will buy you a lot of bitcoin miners.
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Jul 8, 2015 03:06
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Given the backlog of 45,000 transactions I'm wondering how long miners can wait for their payouts. I suspect some would go broke within a month and others would have the local mafia beat them up.
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Jul 8, 2015 03:10
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Hocus Pocus posted:What even is a souvenir check? Is that the term for those fake promotionals you sometimes get in the mail? This is a good occasion to remind everyone that this actually happened: http://patrickcombs.com/95g/
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Jul 8, 2015 03:58
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Devian666 posted:Looking through the P2P loans. Hmm, credit grade A5, amount required $28,800. Sufficient income for repayments. Alright what this for? Explanation: Nothing. Loan purpose: Computer. it's a flight simulator and if you don't help them live their dream up amongst the clouds then screw you, mudman 
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Jul 8, 2015 04:29
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pig slut lisa posted:it's a flight simulator and if you don't help them live their dream up amongst the clouds then screw you, mudman I've quite often thought "gently caress this person borrowing money to have better stuff than me".
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Jul 8, 2015 04:38
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Dr. Eldarion posted:This is a good occasion to remind everyone that this actually happened: http://patrickcombs.com/95g/ Ugh, this came up in another thread today but I couldn't find it. So I started combing through the fine print of my bank's term's and conditions to see if they mentioned anything about weather or not notations on the face of the check were binding or something to that extent but I couldn't find anything 
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Jul 8, 2015 04:48
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dead lettuce posted:Yeah this kid was totally duped by his friends. I don't want to be the fun police here, but I'm betting that it is just a troll thread.
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Jul 8, 2015 05:13
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Dr. Eldarion posted:This is a good occasion to remind everyone that this actually happened: http://patrickcombs.com/95g/ THANK YOU. I was thinking to myself "wait, didn't that basically happen but it was some lovely junk mail company that got hosed and it was awesome?
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Jul 8, 2015 05:15
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MAKE NO BABBYS posted:THANK YOU. I was thinking to myself "wait, didn't that basically happen but it was some lovely junk mail company that got hosed and it was awesome? I remember the full story was floating around somewhere, looks like it's just the book now
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Jul 8, 2015 12:21
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pig slut lisa posted:it's a flight simulator and if you don't help them live their dream up amongst the clouds then screw you, mudman I work on real FAA-Level-D we-actually-train-aircrews-on-this flight simulators for a living; any sim they can build themselves for $29K is weak as hell.  (In all seriousness, getting this job broke me of my "must have the most powerful computer I can afford" habit - once I saw these dream systems and knew I could never afford them, it really brought the diminishing returns of computer price into focus. I could pay out the nose for the highest end consumer computer equipment and still barely even move closer to what I knew was the best, so why bother paying all that extra money?)
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Jul 8, 2015 12:47
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CitizenKain posted:I'm having a hard time being all that sympathetic to that kid. Yea, whoever cashed the check is a lovely person, and honestly he should have a chat with that person, probably while holding a baseball bat. But come on. That said, I had checks since I was ~10 and I never tried to give them away. I also just hit my second book (25 checks per book) last spring, and I've had that box of checks since 2005! It has my address from 2 houses ago on it, but that doesn't matter much really. I only use it for government payments eg parking tickets.
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Jul 8, 2015 14:48
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MAKE NO BABBYS posted:THANK YOU. I was thinking to myself "wait, didn't that basically happen but it was some lovely junk mail company that got hosed and it was awesome? It sounds like it's more the bank that got hosed...but if you want to find out how, you have to... buy the book! (or book him for $5500 at your event)
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Jul 8, 2015 17:29
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Jeez. Whoever said that people on Grand Designs are bad with money weren't joking. I'm watching a rerun that starts in ~2005. They have a £350k mortgage on a flat in London, their countryside house (which they had £300k mortgage on) burnt down... and they found out their insurance had lapsed. So now they are going to rebuild it for £200k (which will go up, knowing people on GD). Money they aren't even approved for yet. So they'll be a minimum of £850k in debt from housing alone. They don't strike me as people who can easily afford this neither. MrOnBicycle fucked around with this message at 20:20 on Jul 8, 2015 |
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Jul 8, 2015 20:09
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I read that junk check story a few years ago, and I never really understood why he couldn't be prosecuted. Sure, the bank messed up, and blew their own policies, but he knew the check was fake and intentionally presented it as real for deposit. I don't understand how that isn't clear-cut theft by deception or fraud. If I know a $100 bill is fake and deposit it "as a joke" maybe the bank should catch me but I've committed a crime either way, no?
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Jul 8, 2015 21:16
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It was legally a valid check.
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Jul 8, 2015 21:29
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I'm just going by what that link says, where he describes it as an "obviously false, fake-cheque? (Did I mention it had “non-negotiable” clearly written on it?"
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Jul 8, 2015 21:42
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The law says "non-negotiable" doesn't invalidate the check, at least according to the article. It was obviously intended to be fake, but so were the checks in the other anecdote, written by that kid. What's the difference? The advice given to the kid was "intimidate whoever you gave the checks to", that's precisely what the bank did in this situation. The issue should be between the bank and the check issuer, not the bank and the depositer.
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Jul 8, 2015 21:44
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Fair enough, and since his story is apparently true and he's not in jail, that must be the case.
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Jul 8, 2015 21:52
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Dr. Eldarion posted:This is a good occasion to remind everyone that this actually happened: http://patrickcombs.com/95g/ Isn't this technically considered bank fraud?
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Jul 8, 2015 21:55
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BigDave posted:Isn't this technically considered bank fraud? The check he was sent (and deposited) was a legally valid check. So...no.
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Jul 8, 2015 22:02
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To use the same analogy, if you are given a $100 bill, and think it's fake, deposit it, and actually it was a real $100 bill...would you be liable for fraud? Wouldn't think so!
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Jul 8, 2015 22:05
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Right, it's a unlikely scenario but it played out here. Man attempts bank fraud (to be funny?) depositing check he believes is fake. Check is actually facially valid so man does not go to prison for 10 years. Bank is still out $95,000 though because....? Man gives back $95,000 anyway.
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Jul 8, 2015 22:09
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Was it legally valid, though? If it were it would have dinged the junkmail company's account for $95k, which is not really any skin off the bank's nose, they just move money from account A to account B when asked (via endorsed check). It would have been on the junk company to chase him down for getting all of it back, but it was the bank who was obsessively going after him for it. Maybe I'm misunderstanding the situation though.
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Jul 8, 2015 22:10
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BigDave posted:Isn't this technically considered bank fraud? Only on behalf of the junk mailer guys
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Jul 8, 2015 22:17
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Zauper posted:The check he was sent (and deposited) was a legally valid check. The detailed part of the story is that he didn't believe they would actually put the money in his account. He got in quite a fight with bank security so he picked up a book on law relating specifically to banks. It turned out it's the same book everyone uses in the banking industry. He was in the clear and the bank knew it. Unless he had the intent to commit fraud they can't charge him with fraud. Same as the idiots who present fake cheques that were sent by Prince Joe Eboe in Nigeria believing that it's real. They don't get charged for fraud because there was no intent.
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Jul 8, 2015 22:22
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I'm guessing while technically a valid check (why would the fraud guys put a real account on the check?) that there wasn't enough money in the account to cover the transaction, and the check did end up bouncing, but the bank hosed up and didn't realize it bounced until well after the legal period had passed.
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Jul 8, 2015 22:24
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drat Bananas posted:Was it legally valid, though? If it were it would have dinged the junkmail company's account for $95k, which is not really any skin off the bank's nose, they just move money from account A to account B when asked (via endorsed check). It would have been on the junk company to chase him down for getting all of it back, but it was the bank who was obsessively going after him for it. Maybe I'm misunderstanding the situation though. It was. The bank refunded the mailers money because they decided to, and then went after the guy so they weren't out it.
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Jul 8, 2015 22:26
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Zauper posted:The bank refunded the mailers money because they decided to, and then went after the guy so they weren't out it. I missed that part. The bank is straight up retarded then.
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Jul 8, 2015 22:30
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Devian666 posted:Same as the idiots who present fake cheques that were sent by Prince Joe Eboe in Nigeria believing that it's real. They don't get charged for fraud because there was no intent. No one can prove you're not an idiot who genuinely believes a fake check is real.
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Jul 8, 2015 22:32
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Leopold Stotch posted:Right, it's a unlikely scenario but it played out here. Man attempts bank fraud (to be funny?) depositing check he believes is fake. Check is actually facially valid so man does not go to prison for 10 years. Bank is still out $95,000 though because....? Man gives back $95,000 anyway. How is this bank fraud, even if you have a suspicion that the check is fake? What if it was a fake and you didn't know it? What if I accidentally try to deposit a check that I've already e-deposited into my bank?
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Jul 8, 2015 22:35
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Radbot posted:How is this bank fraud, even if you have a suspicion that the check is fake? What if it was a fake and you didn't know it? Intent requirements have plenty of precedent - it's certainly plausible for it to be illegal to deposit a check you believe is fake(as he did). If it were a fake check, he might well have been arrested.
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Jul 8, 2015 22:49
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that bank was BWM is what happened
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Jul 8, 2015 23:10
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Yes clearly he broke the laws and the banks didn't sue him into oblivion right away because
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Jul 9, 2015 01:14
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Zauper posted:It was. The bank refunded the mailers money because they decided to, and then went after the guy so they weren't out it. That's where the bank hosed up. If they had realised that bullying this guy and threatening his elderly mother wouldn't get their money back they would have told the company to get hosed.
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Jul 9, 2015 01:24
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Devian666 posted:That's where the bank hosed up. If they had realised that bullying this guy and threatening his elderly mother wouldn't get their money back they would have told the company to get hosed. Junk and Spammers make money by being unbelievable dickheads, I'm sure trying to deal with them in any way concerning money is a giant poo poo fest.
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Jul 9, 2015 04:20
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