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had a couple down the years and it bugs me so wondering where we stand and what other people do? to be fair most are an over sight or i simply dont trust customer and ask for cash but a few seem to get through. always told to use cheque guarantee no but that doesnt seem to make much difference?
Re: bounced cheques
Cheque guarantee card is worthless if the amount is above the card authority limit. So a £110 repair on a £100 card will not be honoured should it be a bouncer. The idea of the First £100 is a misnomer.
We no longer take cheques from the public, only card or cash.
Alex
Re: bounced cheques
Simply write asking for payment within 7 days, if nothing sent write a further letter with “NOTICE TO DEBTOR OF INTENT TO ISSUE LEGAL PROCEEDINGS” and include No legal action will be taken until seven days after the date of this letter pursuent to section 69 of the County Court Act 1984. The claim will be for recovery of £…… plus statutory interest and costs.
If they still ignore then issue summons as it is, I believe, a criminal offense to issue a cheque with the intent of not paying and viewed very badly by a judge, if they respond asking to pay by instalments that can be viewed differently and you should accept a payment scheme that is not to soft.
I reguarly get paid by cheque and never had an issue to be honest.
Re: bounced cheques
Alex wrote:Cheque guarantee card is worthless if the amount is above the card authority limit.
In fact cheque guarantee cards are worthless on any amount since September last year. The recent banking turmoil has thrown the whole issue of cheques and their validity into question as in this example taken from the press at that time: –
National Press wrote:1990 was also the year that cheque payments peaked, with 4 billion being written. However, cheque usage has been declining since then and most major retailers no longer accept cheque payments at all, so the use of guaranteed cheques is in steep decline. In September 2009 the members of the Cheque Guarantee Card Scheme announced that the Scheme will close on 30th June 2011, meaning that it will no longer be possible to guarantee a cheque under the Scheme after this date. This decision followed on from the announcement to close the Scheme made by the Payments Council earlier in 2009. The Payments Council had concluded that it was in all parties’ interests to manage the Scheme’s demise in a co-ordinated fashion following extensive consultation with guaranteed cheque users and acceptors.
So the up-shot is that if you take a cheque in payment for your services then accept the risk and realise that from the moment your customer hands it to you that it’s just a worthless bit of paper that may or may not give you what you really want from it!
Like Alex, I gave up taking cheques 3.5 years ago in fact I don’t even go to the bank these days as it’s all done through the ether……the magic of modern technology eh.:wink:
Re: bounced cheques
like i say not normally a problem but would rather not deal with cheques to be honest, how much does it cost you to accept card payments? because when i looked into it some years back it was too expensive for a small company like mine.
Re: bounced cheques
Card payments also bring a lot of regulation with regards the persons financial security on the info you have taken.
Personnally I judge a persons ability to pay by there home I’m in.
I also no there home address and I own a baseball bat.
Re: bounced cheques
lee8 wrote:Card payments also bring a lot of regulation with regards the persons financial security on the info you have taken.
Eh?
No it doesn’t so far as I am aware unless you have a system that can be exploited, which is why I go nuts over security stuff online.
For actually taking card payments in person the requirements are minimal.
K.
Re: bounced cheques
lee8 wrote:
Personnally I judge a persons ability to pay by there home I’m in.
Ha, if only it was that simple. I have been in some real grotty homes, council & private and they have paid me up front, in cash and been in other palatial surroundings that have given me rubber cheques.
After any length of time in the business you just get a feel for the shysters.
Keep away from them and WP’s and you will be OK. 8)
Jim.
Re: bounced cheques
yes know how you mean about getting a feel for people and was not surprised with this customer at all, so much so went there last night and son tryed to fob me off even though i had seen her through the window! gave me some rubbish about having money tonight but im not holding my breath, it was a bloody horrible job as well.
Re: bounced cheques
funbobby wrote:yes know how you mean about getting a feel for people and was not surprised with this customer at all, so much so went there last night and son tryed to fob me off even though i had seen her through the window! gave me some rubbish about having money tonight but im not holding my breath, it was a bloody horrible job as well.
Not sure what the job you failed to get paid for was funbobby, but if it involved parts, you should have removed them & left.
Its really annoying to supply your labour for nothing but even worse if the robbing bast*rds have some of yer bits as well 🙁Re: bounced cheques
no parts fortunatly but 3 week old water which stank and very blocked up pipes! bloody horrible, i dont intend to let it lie but some people are simply out of order.
Re: bounced cheques
funbobby wrote:gave me some rubbish about having money tonight but im not holding my breath, it was a bloody horrible job as well.
I wouldn’t beat myself up over an incident like this funbobby TBH. It may come good for you, it may not, just two choices there I’m afraid. The way I play it is that if the former prevails then in future in circumstances such as that try to establish before you begin the work exactly how they plan to pay for it? If the latter then just for your own peace of mind and self-respect, take out a local County Court Summons. OK so it will cost you about £30 (or £15 in Scotland). You can do it on-line and it’s 99{e5d1b7155a01ef1f3b9c9968eaba33524ee81600d00d4be2b4d93ac2e58cec2d} certain you will win your case. The down side of that is even if judgement is awarded in your favour 50{e5d1b7155a01ef1f3b9c9968eaba33524ee81600d00d4be2b4d93ac2e58cec2d} of the time they still don’t pay up. You could get all the money they owe you plus your court fee or bugger all. The best part of getting bugger all is that at least you have got that person a CCJ (County Court Judgement) and unless they comply with that judgement thereafter they will no longer be able to get credit, a mortgage, bank account or a Sky TV contract……RESULT!!! 😈
Tip: Before you take out a summons try to establish the full name of the ‘defendant’ (Court terminology) as that could be real handy info for you. 8)
Re: bounced cheques
thanks martin prob wouldnt bother with court for sake of £49 but will threaten her with it too see outcome, not the amount its the bloody liberty, well in 16 yrs this only the second time ive had this trouble so wont lose too much sleep.
Re: bounced cheques
kwatt wrote:
Eh?No it doesn’t so far as I am aware unless you have a system that can be exploited, which is why I go nuts over security stuff online.
For actually taking card payments in person the requirements are minimal.
K.
Maybe I’m wrong then, I heard that regulations concerning the details and protection of the clients data etc etc was a reason many small businesses not in retail or internet don’t use Merchant services.
Re: bounced cheques
lee8 wrote:
Maybe I’m wrong then, I heard that regulations concerning the details and protection of the clients data etc etc was a reason many small businesses not in retail or internet don’t use Merchant services.I think you are right
After reading this thread I did some research so I could accept cards, but after reading this
https://ask.barclaycard.co.uk/business/ … y/qsa_asvs
it has put me right off
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