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How is it that I am paying on a loan when the check the bank issued for me hasn't been cashed by the payee?
It comes down to the way Banks think and The Law is written.
When you signed the pappers you borrowed the money. It is considered yours.
When the cheque is cashed the asset becomes yours.
Either way you owe the money.
You can get the original uncashed cheque, return it to the bank, and depending on the loan agreement you migh be on the hook for the entire intrest amount for loan even though the money never left the Bank.
Good Luck,
What else can I help you with?
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How do you get your previous mortgage company to endorse your insurance check for a claim on home for which was sold as is?
1 Ask them verbally to do so , if you havent already AND __________ FOLLOW THE REQUEST UP WITH A LETTER STATING THAT YOU REQUIRE THAT IT BE SIGNED AND RETURNED WITHIN 10 BUSINESS DAYS. IF THEY WONT SIGN IT ASK THAT THEIR REASON BE STATED IN WRITING , ON A COMPANY LETTERHEAD BY AN OFFICER OF THE INSURANCE AND SIGNED. -----IMPORTANT SENT THE YOUR LETTER TO THE INS CO CERTIFIED AND ANOTHER COPY FIRST CLASS, WITH VERIFICATION OF DELIVERY. REASON BEING THAT THECERTIFIED LETTER MUST BE SIGNED FOR - USUALLY THEY WILL BUT IF THEY DONT AND THE CERTIFIED LETTER IS RETURNED BUT THE FIRST CLASS LETTER ISNT YOU HAVE PROOF THAT THE FIRST CLASS LETTER WAS RECEIVED. THE POST OFFICE WILL DOCUMENT FOR YOU THAT THE FIRST CLASS LETTER WAS DELIVERED , YOU MUST KEEP THE VERIFICATION CARD THE PO GIVES YOU AND FOLLOW UP ON IT BY CALLING THE NUMBER ON THE CARD , THIS WILL TELL WHEN IT WAS DELIVERED AND THE POST OFFICE EMPLOYEE WHO DELIVERED IT WITH THE TIME ETC. 2 MOST TIMES THIS WILL KICK THEM IN THE PANTS WHEN THEY GET A CERTIFIED LETTER WITH THE REQUEST BECAUSE UNLESS THERE WAS AN OUTSANDING LIEN ON THE PROPERTY THAT HASNT BEEN CLEARED TEHY HAVE NO LEGAL RIGHT TO IMPEDE YOU FROM COLLECTING ON A LEGITIMATE CLAIM. 3 DID THEY DISPUTE THE CLAIM ? IF SO WHAT IS THE BASIS 4 IF THEYDID NOT I WOULD EXPLAIN TO THEM VERBALLY AND IN WRITING THAT THEY ARE COMMITING FRAUD BY COLLECTING PREMIUMS , AND FAILING TO PAY OUT NON DISPUTED CLAIMS, I SUGGEST THAT YOU DISCUSS IT WITH SOMEONE AT A HIGHER LEVEL THAN THE CLAIMS PERSON , BECAUSE THEY ARE JUST MOUTHPIECES ESSENTIALLY WITHOUT ANY MEASURABLE AUTHORITY. ASK TO SPEAK TO THE CLAIMS DEPT SUPERVISOR OR ASK FOR THE CORPORATE COMPLIANCE OFFICER - THAT WILL USUALLY DO THE TRICK. WHEN YOU ASK FOR THEM THEY KNOW THAT THEY PROBABLY WONT BS YOU. 5 THE ISSUE OF THE HOUSE BEING SOLD AS IS SHOULD HAVE NOTHING TO DO WITH A CLAIM. HOWEVER IF THE CLAIM IS COVERING A LIABILITY CLAIM VS. A PROPERTY DAMAGE CLAIM THEY MAY BE WAITING TO SIGN OFF IF THERE IS A PENDING SUIT AGAINST THE COMPANY OR IF THEY FEEL THEY CAN FOR SOME UNEXPLAINED REASON TO YOU THAT THEY MAY BE ABLE TO WEASEL OUT OF PAYING THE CLAIM 6 IF YOU DONT HAVE ANY LUCK WITH THOSE AREAS - ASK YOUR AGENT WHAT THE HOLDUP IS - AGAIN IN WRITING- REQUESTING A WRITTEN RESPONSE- A GOOD AGENT CAN OFTEN CLEAR UP THIS TYPE OF PROBLEM - THEY DONT WANT TO LOOSE BUSINESS - ESPECIALLY IF YOU HAVE BEEN A LONG TIME CLILENT AND YOU HAVE FRIENDS/RELATIVES WITH THE SAME AGENT - THE THREAT OF LOOSING THAT BUSINESS AND GETTING BAD MOUTHED IN THE COMMMUNITY HELPS MOVE THE POINT 7 CHECK WITH YOUR STATE INSURANCE DEPT AND FILE A COMPLAINT AGAINST THE COMPANY. GOOG LUCK
What is the penalty for not paying 4000 in child support?
-He was just arrested due to a warrant in wisconsin for not appearing for his last child support court date. he hasnt had a job in 9 months. A body attachment was issued for his courtdate, and he is in contempt of court. He had a bond of $500 which he couldnt post, so he will see the judge in two days. I was wondering what his penalty might be.
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An unpresented cheque is one that hasnt been presented for payment yet. A stale cheque is one that has expired.
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