Also, the actions that you describe (IANA Lawyer) seemingly would be done with the intent of defrauding the person to whom you wrote the check.
[QUOTE=Waterman]Anytime that I have ever closed a bank account it has been done, by the bank, with the understanding that money is left in the account to handle any outstanding checks or other obligations.[quote] Well, sure, but you're not trying to scam anyone, and those outstanding checks are probably not post-dated.
"Date is for reference only...verbal agreement...amount, payee, signature", etc.
People don't respond to that, or if they do, they respond with contempt.
- Miller I'm not sure why this is, but I actually find this idea grosser than cannibalism. Can't say I didn't suspect as much, but it was worth a shot.
- Excalibre, after reading one of my surefire million-seller business plans. As for the prior notification, well, it just doesn't happen.
__________________ "Ridicule is the only weapon that can be used against unintelligible propositions.
Ideas must be distinct before reason can act upon them." If you don't stop to analyze the snot spray, you are missing that which is best in life.
Of course, a bank will do everything just shy of calling their customer an idiot for attempting to post-date a check and hoping the bank will actually pay attention to it amid the squizzillions of checks they process each day.
In fact, the info about it here seems to take it as a given that it's quite legal: Post-dated check - a check with a date after the date on which the check was presented is considered a post-dated check and may not be prosecuted criminally.
The post-dating of the check creates an extension of credit, even if only for a day, and converts the case to a bad debt situation.
For some reason, the same mindset that cannot comprehend that I neither set bank policy nor have immediate access to those who do, seems quite able to grasp in relatively short order than I am not empowered to alter government law.
Given that, it'd make life much easier if I could cite law rather than policy (albeit the policy of every bank in America) in a greather percentage of situations. I have heard of post-dated checks not being prosecutable as bad checks, but that doesn't seem relevant to your situation.
Stating it like that makes it sound like corporate policy, which your average American consumer seems to view as highly negotiable (and, furthermore, they regard endless bitching as the primary means of discussion).