A "canceled" check has________ Been disonered, Been destroyed, never be received or cashed?
Question:
or Been cashed and returned to you
Answer:
Cashed and returned to you.
Its been endorsed.
Sent put a bet on to you? Not in ever suitcase. My bank does not dispatch the checks back to me unless I ask for them.
Another entry is the check # may have be canceled because it was an electronic check.
Depends on what you done, where on earth you bank.
Cashed and returned to you.
When you write a check, they deposit it contained by their bank after endorse the back. Then their hill sends it to your bank and requests the funds. After paying, your mound then stamps it rewarded (cancelled), and returns it to you. Some banks do away with the last step to reclaim on mailings.
A check that has be dishonored is called "returned"
A Check that have been destroyed is call "voided"
A check that has never be recieved is called "my tenant rent check".
Read the give somebody the third degree please, no dumb answers. Would in attendance be a problem paying more than the statement stability?
Question:
On a credit card to cover purchases bought after the statement? Say I have a $100 bill and I bought $100 more of stuff after the statement be mailed. So the statement is 100 and the online amount is 200. If I would reimburse 200 now, would it motivation a problem?
Don't answer "pay sour early to avoid nouns charges" or "why would you want to pay more presently?" I will have to rate it off sooner or next and I have the money, so I can do it.
Thanks!
Answer:
Everyone here seem to be to have already answered your examine so I won't go into details but it is okay.
trigam41 is a freaking retard and wishes to go rear legs to school to revise how to read before he starts discussion about his compliance training. She isn't over paying the stability you moron, her balance base on the example above "IS" $200, its just that when the statement be produced, it only showed her current symmetry of $100. Her first line be "Read the question please, no dumb answer."
However I will influence that there is some truth to his comment in connection with the fraud, but rarely if ever would they investigate on anything if you overpay your credit card match. It happens more repeatedly these days and if you enjoy a legitimate plea to do so, you have zilch to worry give or take a few.
Of course you could pay precipitate and it's smart to do it while you have the extra money (cause who know how your finances coud be by the time your next statement rolls around.)
You can retribution as much as you want, it's up to you. The statement balance is simply the harmonize up until they print the statementif you pay more after that, afterwards so be it. I sometimes pay my visa bill twice a month - once for the statement stability (you must pay this) and again when I want to bring my go together lower (optional).
I see this is new to everyone so consent to me explain. On your credit report there are two entries: planned payment amount and actual transfer of funds amount. The SPA is the minimum payment required base on your statement balance. Your contract states when to settle up this. Your APA is any amount over that you wish to retribution. For example, if you charge $1,000 in one month the minimum due might be $30. If you pay envelope $530, on your CR there will be two entries: the programmed payment of $30 and the actual settlement of $530.
There's no problem at all. You can clear as much as you want, I don't think they'll even charge you for nouns fee, because you are not just paying what you owe but are also paying what is being charged in the month. Good credit practice on your part.
It's fine to distribute in more than the statement symmetry - it will either show as a credit or travel against your purchases assuming that they have posted to your rationalization
Most credit cards have a 'grace period' aim that after you make the purchase, you hold a certain number of days beforehand it's posted to your monthly payment. If you compensate the balance respectively month, you won't incur finance charges... however that assume that you'll enjoy the full balance for respectively month.
Paying off impulsive doesn't cause a problem - it may relieve you get 'ahead' on the credit cards.
Sure. You can do that. There is no problem. Some credit card companies will correspondence you a check after 1-2 months if you pay too much.
The credit card company may try to dispatch you the money back if it is over the total stability on your account. I would hang around before sending within the extra money. Send them the full amount on your statement now, and after in a couple of weeks dispatch them the amount of the new harmonize. By then it will be on the statement and they can apply it to that amount. If you wage online, you can arrange a payment surrounded by advance.
Everyone seem to think it's okay. But, most credit card companies WILL NOT allow you to earnings more than your balance. This is due to anit-money launder concerns.
One way to launder money is to over-pay on credit accounts.
Note: I could not reply to your e-mail. Yahoo! states that your email address have not been confirmed.
yes
Unless the company have penalties surrounded by paying off the card, instead of merely the $100, I am sure you can pay the symmetry in full if you choose to. Most card companies don't mind how much more you settle as long as they get their money, and as long as you make a contribution them the minimum amount (EX: Minimum is $10, you can pay $50 or within full.) You can call and find out if they will allow this, but I am sure they should allow it. Plus it will look impressively good on your credit if you wage it in full every month.
if your daily statement state $100 and online says $200 discharge your bill online, it always looks right on your credit report when you may more then the minimum match, and early, it shows you are trustworthy of their credit.
I other pay more afterwards my min due not only to pay cheque off the card faster but to boost my credit mark.
I've done it many times. Your of late create a credit balance. I do this when I step on vacation. There is no bill that wants paying that will come while I'm gone. It's like free travelers checks.
Internet bank is a wonderful resource. This is an up-to date record of your justification, rather than a daily copy of your bill that can be easily outdated. Paying would not wreak any problems. I personally do not use composition statements any more, rather I check my symmetry online.
Can I make a payment a VISA Debit Card issued from India for my validation on PayPal ?
Question:
Also,
if I request a cheque from PayPal, will they charge only 5$ or even that 2.9% of the amount to be withdrawn ?
thankyou
Answer:
I enjoy added a low-limit student visa card from Turkey. Works perfect. I convey and recieve money. The only problem is, I cannot annul money when I sell something. The money stays at Paypal and I can use it at ebay etc. but can't turn it into bread. The reason is: no guard has made a operate with PAYPAL from Turkey. But if I embark on a bank picture in Europe, it is possible to annul money. So, you can add your credit card, transport and recieve money, but you should ask paypal if you can withdraw the money culture send you. Hope this help.
yes you can...paypal is worldwide
NO!...loli dont know
Call Visa or Paypal.
It's best to contact the source with this type of information.
If you shift to the Paypal site you can "try" to contact them.
Calling the Visa # might give you quicker results.
Contact to ur Customer Care
Would it issue to pay envelope bad the current stability you see online for a credit card or should you purely payment?
Question:
off the statement stability?
Answer:
i would go w/ the statement set off those are correct some times online charges include current i work at a call center and see that adjectives the time just shift ahead and make the pymt on the statement you received
You should other pay the be a foil for off inwardly a few months otherwise all you will be paying is the interest forever.
settle up the current charge if your unsure which payment to be in motion by then ring them
why cut rotten the foot for a hangnail on your toe?
If you pay sour the statement balance every month, you will most credible avoid paying any interest charges. Check your card agreement and find out what the grace period is.
Paying your go together off surrounded by full is always the best.
You can earnings as much of the balance you want. I hear people voice there are credit cards that penalize you for rash payments or paying more on the balance. However, I never see those types of credit accounts. Normally those penalties apply to loans. Even after, I have never gotten a loan that penalize you for paying the loan off untimely as well.
Some credit cards single permit you to fashion an online payment of your current match. For example, you have a credit card near a $700 credit limit. Your online match is $200, but your available credit is $400. You have charged $100 that have not posted to your credit account, so your set off is really $300. For some credit cards (i.e. Citibank), you cannot make a $300 gift online because your posted balance is merely $200. The most you can make is $200 and later wait for the $100 charge to post.
Has anyone ever used prosper to go and get a loan? is it reliable?
Question:
I do not have the best credit and I have need of to get a loan to retain a legal representative for divorce. I found prosper, but I just want to craft sure it is okay to use. Do you know of anyone else that lends to ethnic group without great credit?
Answer:
I hold never used prosper but from what I have hear it is very reputable. Other than payday loan companies -and we adjectives know not to use them - it's about the lone thing nearby is.
My Ex-roomate owes me $1400.?
Question:
He has compensated me only $60 and not making remaining payments? Any philosophy to get my money. He owes me the money as donation for my car that he totalled. I hold copy of 1 check he has remunerated me and emails in which he agreed to put together payments. is their any agency that can help to bring back my money? Any easy instrument out to resolve this as now he is not responding to my emails?
Answer:
I myself have a similar experience, instead of a roommate, it was a customer, anyways, the first item to do is call a collection agency. Normally their fees are anywhere from 15% to 30% of the recovered amount, so you gotta do what Momma other taught us, "Shop Around." Just G00GLE it or look on yahoo hunt, MSN search is ruinous! If a collection agency asks for money upfront, don't use them.
Once that avenue is exhausted, then turn the court route, every state has a different statute of cut on debt, so G00GLE or yahoo the information in regard to that.
If he doesn't show up, then you win by evasion and he will have a shrewdness on his credit report. At the end of the afternoon, though, if he's not gonna pay, he won't.
As for my story, a gift plan was worked out.
Go to small claims court you will lose this friend but so what?
You could cart him to small claims court to get your money. If you hold it in writing that he will repay you is great evidence against him. You should also ask additional funds for official fees (if any).
small claims court
In the USA, small claims court. You do not need attorney. Check info online.
Simple,,take him to court. Do not nickname him or talk to him,,agree to the courts handle it from here.
You can surplus your time and consume much negative sparkle on this or you can move on and focus on how to variety more money to cover this and more.
Poor payment behaviour are rarely almost to be fixed. Treat this as a lesson never to lend someone money...ever!
Take him to court
JUDGE JUDY
you could hire a lawyer to constraint payment or facade legal performance.
Judge Judy would make him earnings.
Sue him.
You could always progress and talk to a advocate. Otherwise, go down to the court house and folder a civil debt, I cant remember what it is called, but freshly tell them the situation and they will refer you to the small claims court. A friend of mine did like peas in a pod thing, a few years posterior, and then Judge Judy's production company to find out if she be wlling to take her skin to TV.
A word of advice for the adjectives. Never loan money to ANYONE. Instead give it away. You shouldnt loan money you cant afford to lose. And, afterwards if you give it away (or enjoy the thought process that it is given away, even though the friend thinks it is a loan) and you bring back it back, consequently your friend respects you and your friendship.
Everyone has said impossible to tell apart thing, which is what you really should do. Small claims court will settle disputes that are below $2500, so write him one more e-mail giving him an opportunity to get good on his word, otherwise you will be forced to run him to small claims court. Good Luck!
If you have no written documentation that this disaster occurred, afterwards you have no opening to prove that he did it and you will not win in court...freshly go ahead and spank him up.
Go see a lawyer. Make sure you hold a case, that you can prove it be him driving your car when it be totalled. Make sure you can't get nab for loaning your car to someone who be not on its insurance. Then, if all this is contained by order, sour to small claims court you go. A true friend would hold bent over backward to discharge your money back, and be sorry for the rest of his life. Yes, it may cost you to find a lawyer, but your buddy will enjoy to pay your legal representative fees if you win. You will lose him as a friend, but it doesn't seem to me resembling he is much of a friend to begin near.
if you have something contained by writting from him with his signature that he agreed to retribution you then you can steal him to small claims court. If not, let this be a lesson to you, it is merely your word against yours.
What checks are done on a guarantor for rented villa?(UK)?
Question:
We want to be moving out a week wednesday and because we couldnt get a mound refference (not been here long enough) my dad has gone guarantor. All we are waiting for is a yes my dad have good credit and owns his home. What else do they look for?? In the nouns we are now if you hold a guarantor they didnt credit check them!
Answer:
The data that will be available to them will be the following:
1. The total credit he have at the moment (balance of loans + credit cards etc.)
2. The total unused credit facility (i.e. the difference between the credit limits on his credit cards and his actual balance)
3. History of belatedly payments
4. History of registration on electoral roll
All these indicators will be used to 'score' how reliable he is and how well he manage his finances. i.e how likely he is to honour his guarantor liability should the have need of arise.
I don't think that they will check credit, but any ruin you cause to the rented property, if you can not discharge for it, it will be passed on to your guarantor, so in other words, if you f*ck up, your ripened man is in the shite.
ebay fee?
Question:
i have a short time ago purchased an item off of ebay this is the first time i enjoy used it the total cost was lb4.69 i salaried using paypal with a maestro card and they seem to be to have taken an extra pound can anyone transmit me why this is.
Answer:
It will be another stealthy bank charge.
You will find it massively hard to contact paypal, but the answer will be surrounded by the small print on their site.
have you read the description discreetly.it might be postage.look at your invoice.
Do IVAs attain shown on my credit history?
Question:
And if i.e. it takes 3 years to clear it off, does it show for the following 6 years on my credit history? If so, will i realistically be looking at 9 years until my credit history is squeeky verbs again?
Answer:
I am afraid IVAs are now shown on your credit history. It used to be that Voluntary arrangement did not appear on your credit history, but too several people be using it as alternative to Bankruptcy.
If you make an arrangement near your creditors before any decriminalized action have taken place and stick to the agreement then you can avoid the hassle of court appearances etc.
With regard your future credit applications, you will own to prove to would be creditors that you have salaried off the debts. It is one and the same with CCj's, if your situation have improved and you clear the debts, alien creditors will ask for certification that ysou hold cleared the debt in full.
I would suggest after, that you consider moving addresses and register on the voters role, ok you are resigned to not taking out any credit facilites within the next 3 to 5 years, when you apply for a loan or what ever from the foreign address the potential creditor will not be able to see the ccj's registered on your matured address, unless you give them the infirm address. (I hope this makes sense)
As long as they see you are registered at the foreign address and no ccj's have be registered then you are almost biddable to go.
CCJ's are single registered at the adress where you live at the time of the court covering, they do not follow you to your new address. So do not impart your old address to contemporary creditors...
but don't worry it is not the fall of the world.
everything to do with bread shows up, even the date you pay phone bills electric bill etc, too show how hasty you pay them, even though they are not overdue.
Yes it does on experian, which most lenders use. And yes, it will bring that amount of time before it slips past its sell-by date your report.
Mind you, if you conduct your IVA responsibly you can still get some credit and even a mortgage, but it will be a sophisticated rate than prime lending.
If you haven't done it even so, avoid it at all costs and contact your creditors directly to arrange jargon. They are under a duty of attention to detail to deal helpfully with you.
Why would you want credit again. Presumably you are considering an IVA because you are contained by debt due to credit so why would you want to put yourself in that position again??
IVA's second for 5 years and it takes 1 year after that for it not to show up anywhere.
surrounded by a nutshell - yes
Yes - just resembling bankrupcy, an IVA will be shown on the credit report for several years, making it extremely difficult to get credit.
where on earth can you carry free credit reports besides myfreecreditreport.com and myfico.com?
Question:
Answer:
http://www.annualcreditreport.com... is the one offered by the government. You attain a free copy of all three reports respectively year. You can view adjectives at once or rotate it through the year.
If you have applied for credit and be denied, you are entitled to receive a free copy of your report from the agency that denied it.
Otherwise the two you mentioned are pretty much it.
whats loan insurance?
Question:
i had a loan past its sell-by date the bank, and after lost my job, immediately cant afford pay it final, but took out the loan insurance at the same time, they've said i might be competent claim, how does this work and how much of the loan will they repay?
Answer:
loan insurance is insuring against your loan just incase something shite similar to losing job happen. It should outline claiming and stuff in their T&C's. They will probably simply pay the minimum respectively week though
Depends on the policy, check back on your paperwork. What the mundane payback is your payments will be made for you so you dont' default on your loan until you acquire a job again.
Read the small-print.
I get laid off around three years back and have insurance on my credit cards - they paid out a bit, but not as much you'd chew over from the phone-call/glossy-brochure/ person whose teeth are basically *too* white when you sign on the dotted line.
You gotta brawl for it.
Loan insurance usually covers your payments, weekly, monthly, however you pay it, up to a spot on amount. So check with your ridge, and file a claim, usually its beside them. I have the insurance, but own never used it.Good Luck , hope you find a job soon.
that should enjoy all be explained to you when you took the insurance.
How do I bring back a creditor to stop calling me. Esp when I dont discern I owe any money.?
Question:
It's a creditor assosiated with 53 wall. It's a long story, but I don't believe the charges from the bank are correct. In certainty Im sure a court would side with me. Anyways they sent my side to a collection agency who calls me 3-5 times a light of day MTWRFSS. Every single day, never a break... This can't be right. What can I do please. I'm not even sure if the credit agency will make available me their address.
Answer:
Are you in the U.S.? If you are, read the rules of what a collection agency can and cannot do. (link below) One article they cannot do is harass you and calling 3 times a morning is harassment.
You will have need of to send them a communication stating that you do not owe the money and that they are not to call again.
They after have to distribute you proof of the debt.
Read the link below cooperatively. It contains what a collector can and cannot do under federal regulation. If you believe they are violating the directive, file a complaint beside the Federal Trade Commission and your State Attorney General's Office. States all own a fair debt collection department inwardly the attorney generals office. Go to your states website.
database a harassment suit as long as you own the documentation and tryed to clear it up then its on them ask them for a fax number transport them a copy of your proof then own a witnes with you when you ask them not to give the name and harass you any longer document the call when etc...can a call principal on your phone as well ,but you call for to get this stale you credit so you may have to turn to court
First, look up their business office address. If you know the heading of the collection agency you can G00GLE it and/or do a BBB search (bbb.com) to see if you can locate a physical address. If you can't find an address that course then answer the phone the subsequent time they call, DO NOT agree to them control the conversation as you have rights and you involve to let them know that you know what they are. Demand a mail address, account number, and any other pertinent information you may necessitate and send them a constrained cease and desist note that states that they can only contact you by communication regarding the reason. Send that letter certified e-mail return receipt requested and if they verbs to call you after you own sent that, you can tag them on violation of the FDCPA. Once all of to be precise done you will want to ask for validation of the alleged debt but that is a adjectives different process.
Send a certified letter to the collection agency requesting that they stop contacting you by phone at your residence and employer (if applicable). The missive MUST be sent certified & return receipt. The return receiving card is the proof that they got the message (keep a copy of the letter next to the green return receipt card for your records). If you newly tell them on the phone, the request is singular good for 3 days (if they even honor that - some disregard choral requests altogether).
Below is a sample notification that you can use to send to the creditor. Be warn - once you cut them off from contacting you via phone, they may forward your commentary to the legal department to use other vehicle of collecting the debt (file suit in decree to obtain a judgement). So it is within your best interests to try to settle the debt with them. If you owe them - convey them some money. This will prove that you are attempting to pay the debt. If you don't they will enjoy the ammo to try to file suit.
If they disregard this note (once you get your return account from the post office) - find a lawyer. But this dispatch should do the trick.
I hope this is helpful to you...
March 11, 2007
Your given name
Your address
Dear 53 Bank;
This letter is to request that you give up contacting me by phone in accordance near the Fair Debt Collection Practices Act. Any further attempts to contact me at my home or employment by phone will be considered harassment.
Please forward adjectives correspondence regarding any debts to the address above (your home address).
Thank you within advance for your cooperation.
Sincerely,
TLG*GREATFN - getting any of these charges on your debit? I never bought anything from them. What should I do
Question:
Answer:
Get to bank without beating about the bush. They will investigate and remove it from your account.
Call the ridge customer service number. They will have a "menu"
and on it a debit card dispute department..give the name now!
sometimes describe does not match up on the statement to the autograph of the store where you made a purchase. if you made a purchase around that date for in the region of that amount, then that's probably it.especially if its a one time charge. but if you didn't use your card or you freshly have no perception where that come from, call the 1800 number and ask to be connected to the fraud department
update- did you buy something from a travel website or a website call buy.com? is it for the amount of 9.99? when i G00GLEd TLG*GREATFN i got this net page
http://www.ripoffreport.com/results.asp?...
How do rental companies know your using a debit card, if it doesn't say aloud debit/ check card on the front?
Question:
i ask this because i have a debit card that doesn't voice it on the card and has the mc logo on it. i wonder if the motor rental will be able to know the diffrence, or if their apparatus tells them.
Answer:
I don't meditate that companies can tell the difference, unless the card specifies that it is debit. anyway, what would issue?. Companies that accept credit cards should be capable of process transactions on your debit card without your pin #, you would be asked to provide your signature instead... you lately have to enjoy a cashier who know what they are doing. As long as your debit card carries the logo of a main credit card (Mastercard, Visa, etc...) then nearby shouldn't be any problem. you need to net sure that you have plenty funds in the side at the time that you make the purchase because they will still be deduct even though the transaction is processed as a credit. if you have any question, don't hestitate to email to me.
yes, when you swip it it wont work. i work at a restaurant and when they hand me a debit card i spot it fast! we dont have a pin wad
What difference is it going to make to the rental company so long as the company is getting its rent right? If someone tries to identify the card short any obvious sign on the card itself, it would be his/her sheer trial and error or could be experience of that faddy type of card.
There is nothing encoded on the Card that say it is debit. So if there is no where on earth it says Debit, nearby would be no way they would know unless the hand happens to know the card.
But be sure it does not read aloud Debit anywhere on the card. It may not be obvious. You may own to tilt the card to see it at a different angle. Also, remember with Debit cards the deposit will in truth be withdrawn from the account the debit is on. Unlike credit cards where on earth they just reserve the amount. So you involve to be careful and receive sure this does not cause you to travel overdrawn.
Not only is money pro tem deducted from your debit card that could wreak you to be overdrawn on the account; but near many bank it takes several days for the money they give somebody a lift out to go subsidise into your account! ! !
That will depended on the coup¨¦ rental place and the merchant provider/processor. Even without the word check/debit card and lacking debit symbol in the hologram the merchant provider could still detect as a debit. Wal-mart does this. The pin blind will pop up. Unless the bank is outside of the U.S. the wall may have violated the Wal-mart merchant lawsuit settlement. The honor adjectives card rule does not apply in the U.S. however it still applies within other parts of the world.
Repo of a sports car?
Question:
i just only just had a motor repo because of late payments and my co-signer nourishing bankrupcy on it.. i would just approaching any info that any has that can inhabitants me get through this ...and i moved out my plates on the car do i requirement to call the liscence burea and describe them ..?? please help
Answer:
Yes, phone call them-they will advise you as to what to do.
Yes. You don't want your plates to be used contained by a criminal matter. Call the license branch.