A Nightmare Trying to Cash Foreign Currency Check

[truffles 2]

Personally i have a account open with my bank in uk....just keep it open so that if anyone wants to send money - they stick into the Uk bank and i simply use my debit card at the ATm - yes i pay a fee but it is worth it just for ease of use - there are restriction on how much i can get out but that suits me fine too

[Fandango 1,439]

Call now!!!!!!!!!! Forget tomorrow!

I would but I think I'll get further by going to the station in person.

Waiting to go in tomorrow doesn't convey the urgency of the situation at all.......

[Mr. Big Dog 10,747]

Dang. I hope you work it out Steven. Give those cops hell.

Thanks. I'm pi$$ed as hell why a cop would let the check cashing place confiscate the check under the circumstances. Jinky even showed the cops the hand written envelope that her sister sent it in. Unless they had reasonable suspicion that she was deliberately trying to cash a counterfeit check, they should have given her the check back. I'm going to raise cain tomorrow at the police station.

Dude, they took Jinky for such a freaking ride. If anyone, it would be the cops confiscating the cheque (maybe the odd European spelling threw Goose and that supposed cop off). Oh, c'mon. Goose? #######? Why did Jinky even listen to someone telling her to go see Goose? Didn't you teach her anything since she got here? Geez, man!

[one...two...tree 2,762]

Dang. I hope you work it out Steven. Give those cops hell.

Thanks. I'm pi$$ed as hell why a cop would let the check cashing place confiscate the check under the circumstances. Jinky even showed the cops the hand written envelope that her sister sent it in. Unless they had reasonable suspicion that she was deliberately trying to cash a counterfeit check, they should have given her the check back. I'm going to raise cain tomorrow at the police station.

Dude, they took Jinky for such a freaking ride. If anyone, it would be the cops confiscating the cheque (maybe the odd European spelling threw Goose and that supposed cop off). Oh, c'mon. Goose? #######? Why did Jinky even listen to someone telling her to go see Goose? Didn't you teach her anything since she got here? Geez, man!

Well, she was able to go back there and Goose gave her a photo copy of the check. I'm sure the cop was legit, but his SOP seems a bit off base. I'm 60 miles away so there's no way to go there until tomorrow morning. In the meantime, hopefully we can get the Bank of Ireland on the phone to help us verify that it is in fact a valid check.

BTW, it was a WaMu rep who called the nearby check cashing place and talked to Goose. Goose was the one who told him to send her his way - that he could possibly cash it for her. He ain't going anywhere...not with that name.

[Fandango 1,439]

It's not like a Bank of Ireland check is written in piglatin and there's only one person who speaks it. I personally think you're being ridiculously passive here Steven......

[no name 1]

Well, she was able to go back there and Goose gave her a photo copy of the check. I'm sure the cop was legit, but his SOP seems a bit off base. I'm 60 miles away so there's no way to go there until tomorrow morning. In the meantime, hopefully we can get the Bank of Ireland on the phone to help us verify that it is in fact a valid check.

BTW, it was a WaMu rep who called the nearby check cashing place and talked to Goose. Goose was the one who told him to send her his way - that he could possibly cash it for her. He ain't going anywhere...not with that name.

Yeah, cuz I'm sure his BC has 'Goose' written on it.

What is wrong with you Steven? Common sense gone AWOL??????

[Peikko 1,575]

Steven wasn't doing the negotiations, Jinky was. I can't blame her for what happened, but it does smell rat like. However, hopefully all will end well.

[no name 1]

I got counterfeit bills at a place I worked at in high school. The cops didn't do sh*t, the FBI did. They came & questioned me about it.

This whole event stinks to high heaven. And if it was my $$, I'd have filed a report TODAY, when it happened. Sh*t, the cop shoulda filed a report, not let 'Goose' keep it. That's against the law. Jinky is no fool, she could've done it herself. The real crime was going to see Goose, who obvs has a side deal with some joker at WaMu.

Honestly, I'm shocked at the way this has been dealt with (or should we say, NOT dealt with). And I'm obviously not alone, if you read this thread.

Edited January 4, 2008 by devilette

[*JG* 2]

We deposit foreign checks in our bank account at work all the time.

Sorry for your troubles.

[Ban Hammer 13,135]

I got counterfeit bills at a place I worked at in high school. The cops didn't do sh*t, the FBI did. They came & questioned me about it.

This whole event stinks to high heaven. And if it was my $$, I'd have filed a report TODAY, when it happened. Sh*t, the cop shoulda filed a report, not let 'Goose' keep it. That's against the law. Jinky is no fool, she could've done it herself. The real crime was going to see Goose, who obvs has a side deal with some joker at WaMu.

Honestly, I'm shocked at the way this has been dealt with (or should we say, NOT dealt with). And I'm obviously not alone, if you read this thread.

actually, i thought the secret service - part of the treasury department - investigated counterfit money.

[Mary Lou 681]

Well, she was able to go back there and Goose gave her a photo copy of the check. I'm sure the cop was legit, but his SOP seems a bit off base. I'm 60 miles away so there's no way to go there until tomorrow morning. In the meantime, hopefully we can get the Bank of Ireland on the phone to help us verify that it is in fact a valid check.

BTW, it was a WaMu rep who called the nearby check cashing place and talked to Goose. Goose was the one who told him to send her his way - that he could possibly cash it for her. He ain't going anywhere...not with that name.

Yeah, cuz I'm sure his BC has 'Goose' written on it.

What is wrong with you Steven? Common sense gone AWOL??????

To hell with Goose giving Jinky a photo copy of the check!!!!!! She should have that check back in her possesion ffs I'm sorry but if the cops and some dude named Goose was effing me around, i would drive 60 or 160 miles to get this sorted and not wait till morning. JMO

Edited January 4, 2008 by garyandmarylou

[no name 1]

I got counterfeit bills at a place I worked at in high school. The cops didn't do sh*t, the FBI did. They came & questioned me about it.

This whole event stinks to high heaven. And if it was my $$, I'd have filed a report TODAY, when it happened. Sh*t, the cop shoulda filed a report, not let 'Goose' keep it. That's against the law. Jinky is no fool, she could've done it herself. The real crime was going to see Goose, who obvs has a side deal with some joker at WaMu.

Honestly, I'm shocked at the way this has been dealt with (or should we say, NOT dealt with). And I'm obviously not alone, if you read this thread.

actually, i thought the secret service - part of the treasury department - investigated counterfit money.

actually, you are right, now that you mention it. I knew it was some scary gov't dudes, not the local po-po.

[one...two...tree 2,762]

I just called the OC Sheriff's office and the woman on the phone was really helpful. She's going to have the sheriff call me in the morning and once we contact the Bank of Ireland to verify the check, I can get police escort to the check cashing place to pick up the check. She apologized and said she doesn't know why the officer allowed the check to be confiscated but admitted she's not knowledgeable on check fraud.

If this went any further, I would have called my brother who works for Maricopa County as a detective.

[one...two...tree 2,762]

This is as confusing as f###....

From the National Check Fraud Center....

Section 3-104: To be a "negotiable instrument" a check must be unconditional. Why do you care if it is a negotiable instrument? Because only if it is will Articles 3 and 4 of the UCC apply. Those laws give you guidelines so that all parties to the instrument know the "rules" that apply to it. If it is not a negotiable instrument, beware! An item that would otherwise be treated as a check can be rendered non-negotiable if it has the words "non-negotiable" printed on it. Don't make the mistake of cashing a non-negotiable item or accepting it for deposit.

http://www.ckfraud.org/UCC_provisions.html

................................................................................

..........................

But then there is this definition of non-negotiable:

1. A term relating to the price of a good or security which is firmly established and cannot be adjusted.

2. A term relating to a good or security whose ownership is not easily transferable from one party to another.

Notes:

1. When an asking price is considered non-negotiable, it means that you cannot try to change the price as it has been firmly established.

2. Securities and products that are considered non-negotiable cannot be transferred from one party to the next and thus are typically illiquid.

An example of a non-negotiable instrument would be a government savings bond. These can only be redeemed by the owner of the bond and are not allowed to be sold to other parties.

Also known as registered securities, non-marketable or non-transferable securities.

http://financial-dictionary.thefreediction.../Non+Negotiable

...........

My guess is that in Ireland, non-negotiable means what it's suppose to mean, not the bizarre, National Check Fraud declaration to never cash a check that has non-negotiable on it.

[one...two...tree 2,762]

UPDATE:

I just woke up to call the Bank of Ireland since they are 8 hours ahead of us and spoke with someone who verified that in fact the check is real, but she said she cannot call the check cashing place. I took down her name. I explained to her that according to the check cashing place and even another bank (Wells Fargo), they believed that the 'Not Negotiable' stamp on the check meant it was not cashable. She said that all that means is that no one else but the person who it is drafted to can cash it.

As for actually cashing it, the only thing we can do is take it to almost any bank and they can turn over to collections, which could take up to 8 weeks (as WaMu had stated), so that is the only viable alternative.

So I'm going to wait for the sheriff to call me in the morning and ask for an officer to meet with me at the check cashing place so that we can get the check back.

Edited January 4, 2008 by Mister Fancypants