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Personal checks?
jwharding
Member Posts: 2,897 ✭✭
Why will some people not take a personal check when u tell them that your in no hurry for the item that your bidding on, they can take as long as they need to ship, an you have a perfect record of buying. I realize that people get burnt with bad checks but if they wait until the checks clear the bank before they ship,mbut, how? I emailed a seller the other day an explained I have been sick an didn't no whether I could make it to the P.O. For a few days and would buy the item if he would take my check. It was only around 30.00. I know 30.00 is 30.00 but I explained that he could wait as long as he wanted to send the item. He said he had been burned before an would not take it. I didn't mind its just that I don't understand. Once a check clears the money's there isn't it?
Jw
Jw
Comments
Being here 13 years, generally they say OK
I will also accept them.
Chalk it up to their personal experience or their ignorance.
Jw
Also, for income tax purposes, some people don't seem to like personal checks..[;)]
I have received exactly three bad checks the entire time I have done business with GunBroker, since 1999. In each case, the issuer made the check good and reimbursed me for bank fees.
A buyer sent me a check, and it got lost or delayed. So, he sent me another to replace the first one. The two checks arrived within a day of each other, with no explanation why the first one was three weeks late. I cashed the second check and sent the first one back with the order. Try that with a money order! It takes an Act of Congress to get a lost money order replaced!
I prefer to send a check. If it gets lost, I can just send another. If the first one turns up forged, I file one short affidavit at my bank, and my money is restored. Try that with a money order!
I accept checks , I just wait till they 'clear the bank' and all is good !
And :
The only 'bad check' I have received is from a 'local Yo-Yo' , jumped thru all the hoops and done all I was supposed to do : and : Still havent been able to collect a dime of the $470.00 !!!
Thanks !!!
d.a.stearns ............ a.k.a. ............ SKEEZIX ..................
Gunsmith / LEO / Firearms Instructor
Athens , Tn
... www.allamericangunshop.com
... www.tnhandgunclasses.vpweb.com
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l will say l trust GB ones TEN times more than ppal
Why will some people not take a personal check when u tell them that your in no hurry for the item that your bidding on, they can take as long as they need to ship, an you have a perfect record of buying. I realize that people get burnt with bad checks but if they wait until the checks clear the bank before they ship,mbut, how? I emailed a seller the other day an explained I have been sick an didn't no whether I could make it to the P.O. For a few days and would buy the item if he would take my check. It was only around 30.00. I know 30.00 is 30.00 but I explained that he could wait as long as he wanted to send the item. He said he had been burned before an would not take it. I didn't mind its just that I don't understand. Once a check clears the money's there isn't it?
Jw
That's my question too.
I've been thinking about a bit. If I send a seller a M.O. Or a certified check or a personal check when it clears I have no recourse whatsoever. I'm trusting the seller to send the order going by his A rating which doesn't mean anything . I remember a seller a few years ago that had well over a thousand sold items and a AAA rating. I bought two guns from him myself. One day I looked him up on this site to look at his auctions. He had at lest 20 F feedbacks in just a few weeks. Later found out he was bankrupt. What I'm saying I guess is that most sellers want U to trust them but they don't trust you. Anyway from now own I will not buy from a seller that won't take my check, unless I desperately need the item.
Jw
Always send a Postal money order. If you get stiffed there is recourse with a postal inspector.
quote:Originally posted by jwharding
I've been thinking about a bit. If I send a seller a M.O. Or a certified check or a personal check when it clears I have no recourse whatsoever. I'm trusting the seller to send the order going by his A rating which doesn't mean anything . I remember a seller a few years ago that had well over a thousand sold items and a AAA rating. I bought two guns from him myself. One day I looked him up on this site to look at his auctions. He had at lest 20 F feedbacks in just a few weeks. Later found out he was bankrupt. What I'm saying I guess is that most sellers want U to trust them but they don't trust you. Anyway from now own I will not buy from a seller that won't take my check, unless I desperately need the item.
Jw
Always send a Postal money order. If you get stiffed there is recourse with a postal inspector.
Good luck with that! I guess you think the postal inspectors are chomping at the bit to do some actual investigating! [;)]
Always send a Postal money order. If you get stiffed there is recourse with a postal inspector.
The post office dont care. I got stiffed on GunBroker here by a seller and i got no help from either. I even sent copies his taunting emails with admissions and threats to the postal inspector, and they did absolutely nothing. I never use or accept personal checks. Too outdated and too risky.
Im not wasting an hour or more of my time at the PO because they're scared for no reason and want instant gratification, be scared with someone elses time, grow a pair.
The fear of receiving a bad personal check from a GB seller with hundreds of A+ FB's is humorous, about as humorous as a 10 day to 2 week hold for a personal check. IF someone is worried about a deposited check being good, most banks will let you know in 1-5 days of deposit, not 2 weeks,
I had one seller tell me he just couldn't take a personal check, and as Karma would have it, he tried to bid on one of my auctions and whined & sniveled to me in a email when he found out he couldnt bid because I'd blocked him, I love Karma...[:D]
If the item is less than a few hundred bucks, I ship immediately upon receiving payment by check, under $100 and I ship when the buyer tells me they have dropped payment in the mail, Ive not been stiffed yet...if I get stiffed, oh well, I guess they needed it more than I did...[;)]
I also only take Postal Money Orders.
Merc
quote:Originally posted by Waco Waltz
quote:Originally posted by jwharding
I've been thinking about a bit. If I send a seller a M.O. Or a certified check or a personal check when it clears I have no recourse whatsoever. I'm trusting the seller to send the order going by his A rating which doesn't mean anything . I remember a seller a few years ago that had well over a thousand sold items and a AAA rating. I bought two guns from him myself. One day I looked him up on this site to look at his auctions. He had at lest 20 F feedbacks in just a few weeks. Later found out he was bankrupt. What I'm saying I guess is that most sellers want U to trust them but they don't trust you. Anyway from now own I will not buy from a seller that won't take my check, unless I desperately need the item.
Jw
Always send a Postal money order. If you get stiffed there is recourse with a postal inspector.
Why will some people not take a personal check when u tell them that your in no hurry for the item that your bidding on, they can take as long as they need to ship, an you have a perfect record of buying. I realize that people get burnt with bad checks but if they wait until the checks clear the bank before they ship,mbut, how? I emailed a seller the other day an explained I have been sick an didn't no whether I could make it to the P.O. For a few days and would buy the item if he would take my check. It was only around 30.00. I know 30.00 is 30.00 but I explained that he could wait as long as he wanted to send the item. He said he had been burned before an would not take it. I didn't mind its just that I don't understand. Once a check clears the money's there isn't it?
Jw
because if it bounces, he gets nailed for $25 on top of the $30. If someone cant afford $30, how are you ever going to get $55 from them?
I am surprised personal checks are even legal anymore.
Ive noticed with the influx of noob sellers, almost all want MO's and Certified checks, no personal checks, woosies, they can keep their stuff, Im not bothering with a money order unless its real money, $500 or more, not some penny anti amount.
Im not wasting an hour or more of my time at the PO because they're scared for no reason and want instant gratification, be scared with someone elses time, grow a pair.
The fear of receiving a bad personal check from a GB seller with hundreds of A+ FB's is humorous, about as humorous as a 10 day to 2 week hold for a personal check. IF someone is worried about a deposited check being good, most banks will let you know in 1-5 days of deposit, not 2 weeks,
I had one seller tell me he just couldn't take a personal check, and as Karma would have it, he tried to bid on one of my auctions and whined & sniveled to me in a email when he found out he couldnt bid because I'd blocked him, I love Karma...[:D]
If the item is less than a few hundred bucks, I ship immediately upon receiving payment by check, under $100 and I ship when the buyer tells me they have dropped payment in the mail, Ive not been stiffed yet...if I get stiffed, oh well, I guess they needed it more than I did...[;)]
Yeah right. You obviously never took a bad check. You get burned both ways. and if you shipped the item, you get burned 3 times. $10 or $1000 it hurts.
Personal checks rule!
Others, no way. Some auctions say "Do not ask" and so I don't, I pay per the auction instructions or I do not bid.
Twice buyers have sent me USPS MO's that never arrived. Both times they made it right, received solid A+ feedback from me because they had to deal with problem, and they did not falter. I respect that.
One buyer sent me a money order from some regional pay-day loan and check cashing outfit in Florida. Auction was specific, USPS Money Order ONLY.
I searched the issuer out on the internet, called them up, could find nothing negative about them. My bank accepted it as a check and I waited a week to ship. All worked out fine in the end.
About sending money orders, I now add a wrapper in the business sized envelope. A fake billing statement in bold letters that says "ACCOUNT PAST DUE - COLLECTION ACTION PENDING. I figure a mail thief will hold it up to a light, see that and not want to take it.
Naturally, I warn the seller not to freak out when they receive my payment. It's worked fine several times now.
We get a bad check 3-4 times a month, maybe 2-3 times a year where it doesn't go through the 2nd time.
Much rather take a personal check than a credit card[xx(]
Someone you don't know has your full name address account number and usually telephone.
If its $30 or less, just drop cash in an envelope.
I was on vacation once when an Ebarf auction ended, and the seller sent me the item $500.00+ before I sent my payment! He said, "well I looked at your feedback and knew you were good for it."
You get all kinds on the web!
quote:Originally posted by jwharding
I've been thinking about a bit. If I send a seller a M.O. Or a certified check or a personal check when it clears I have no recourse whatsoever. I'm trusting the seller to send the order going by his A rating which doesn't mean anything . I remember a seller a few years ago that had well over a thousand sold items and a AAA rating. I bought two guns from him myself. One day I looked him up on this site to look at his auctions. He had at lest 20 F feedbacks in just a few weeks. Later found out he was bankrupt. What I'm saying I guess is that most sellers want U to trust them but they don't trust you. Anyway from now own I will not buy from a seller that won't take my check, unless I desperately need the item.
Jw
Always send a Postal money order. If you get stiffed there is recourse with a postal inspector.
Uh NO!
Another internet falsehood