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| got SCAMMED last WEEK need some ADVICE please http://www.scamvictimsunited.com/phpBB2/viewtopic.php?f=10&t=2781 |
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| Author: | wiscbro [ Mon Feb 04, 2008 10:25 pm ] |
| Post subject: | got SCAMMED last WEEK need some ADVICE please |
I don't think I need to tell my whole story, just the point I'm at right now. Basically I took out an ad looking for a subletter. Someone sent me a cashiers check for way more than I asked. I deposited the check at my bank, UW-Credit Union, and took out the money. I wired money via western union. Now the bank says I need to put the money back into my account by February 24 or my name will be sent to Chex Systems and I won't be able to open a bank account, etc etc for 7 years. This is all they've told me. If I don't pay the money back, my name will be put on a list. They didn't mention anything about contacting the authorities or pressing charges or anything of that nature. So do I have anything to worry about? Anyone else not pay the bank? what happened? Thanks. |
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| Author: | wiscbro [ Tue Feb 05, 2008 9:16 am ] |
| Post subject: | |
edit: The bank also said they will report my name to a collection agency. |
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| Author: | reverse [ Tue Feb 05, 2008 9:49 am ] |
| Post subject: | |
If you cannot afford to repay the bank, your best bet right now would be to open yourself a new account with another financial institution, so at least you will still have an account. The credit union will most likely seek repayment through the civil court system, depending on the amount you owe. You may try to work out a payment schedule with the credit union. Once your name is entred into ChexSystems it wil be very difficult to get a new account. Even after you get the new account, when your name is placed on CHexSystems, there is the possibility the new account could be closed, but that is not very likely. I seriously doubt the credit union will pursue criminal charges but they will seek action in the civil court system IE. liens or garnishment if it is permissible in your state. |
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| Author: | admin [ Tue Feb 05, 2008 8:56 pm ] |
| Post subject: | |
from our resource page at http://scamvictimsunited.com/resources_ ... _check.htm Other Things To Do: Close any other accounts that you have at that bank so they cannot freeze those accounts Turn off any direct deposits you have going into that account Turn off any automatic payments or withdrawals you have coming out of that account Open an account at another bank |
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| Author: | wiscbro [ Fri Feb 08, 2008 9:21 pm ] |
| Post subject: | |
thank you for the replies. I will do as you have recommended. I'm also filing a police report tomorrow. |
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