Quote:
Originally Posted by Dr Terry
These days however a bank cheque can be stopped straight away, like a personal cheque. So the buyer could pay by bank cheque, drive away & stop the cheque before you had a chance to bank it. I've seen this happen several times.
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OMG Not this Bull**** again.
You cannot put a stop on a bank cheque. Period.
The cheque is issued by the bank, and once done you have no control other than possession.
Now if say you lose it (or want to claim you have lost it) then the BANK will flag the cheque, but require you to sign a declaration. If it is presented, then the bank will investigate. If you continue to claim that the cheque was stolen, then they dishonour the cheque and call the Police. You will then need to give the police a statement that the cheque was stolen (or lost then stolen) and they will investigate the depositor, and presumably charge them.
If you have lied about it being stolen, you WILL be charged with making a false statement and probably Fraud. Believe me, much like a mother Bear and her cub, the last place you want to get is between a Bank and their money. They carry a LOT of weight with police.
Ultimately, most people are law-abiding in such matters, and at some point you have to trust that things work, and if not the law will take care of them.
Yes, unfortunately there are people that forge bank cheques. Because, lets face it, the world is full of stupid people.
If I'm selling a car, and you are going to steal it, PLEASE do it using a forged bank-cheque. I would much prefer that to any of the alternative methods, breaking into my house and stealing the keys, car-jacking, or just straight out bringing your bikie mates to beat me up.
Not only will you be charged with theft and fraud, but rather than simply looking for a stolen car (something the cops probably seldom bother with) I will have the bank backing me up, and will be able to identify you, and provide not only documentary evidence, but your finger-prints.
Plus, knowing the way our legal system works, you'll probably go to gaol longer for the fraud, than if you had simply bashed me.
Thing is, if people want to sink to these levels of paranoia, then no way should anybody be paying in cash.
Simplest way is online transfer using your phone. Most payments, upto a certain amount, and now almost immediate.