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Doctor Olds
I Need A Remedy For What's Ailing Me.
Premium,VIP
join:2001-04-19
1970 442 W30
kudos:18
reply to Oleg

Re: [419] my brother got a check today.....

said by Oleg:

I just do not understand why they always hold a victim responsible.

Because the victim has broken the law by depositing a fraudulent check even though they didn't write the check. The victim did withdraw the money from the bank on the account that is in the their name. If the victim were to wait until the check fully clears (up to 15 days) then this type of scam would no longer work and the victim would not end up with a severely overdrawn account.
--
What’s the point of owning a supercar if you can’t scare yourself stupid from time to time?


Oleg
Premium
join:2003-12-08
Birmingham, AL
kudos:2

said by Doctor Olds:

said by Oleg:

I just do not understand why they always hold a victim responsible.

Because the victim has broken the law by depositing a fraudulent check even though they didn't write the check. The victim did withdraw the money from the bank on the account that is in the their name. If the victim were to wait until the check fully clears (up to 15 days) then this type of scam would no longer work and the victim would not end up with a severely overdrawn account.

Right. But what if victim did not know it's a scam?
But JustBurnt has already explained.

Kearnstd
Elf Wizard
Premium
join:2002-01-22
Mullica Hill, NJ
kudos:1

1 recommendation

reply to Doctor Olds

said by Doctor Olds:

said by Oleg:

I just do not understand why they always hold a victim responsible.

Because the victim has broken the law by depositing a fraudulent check even though they didn't write the check. The victim did withdraw the money from the bank on the account that is in the their name. If the victim were to wait until the check fully clears (up to 15 days) then this type of scam would no longer work and the victim would not end up with a severely overdrawn account.

I find it sad that in 2013 it can take up to 15 business days to clear a check.
--
[65 Arcanist]Filan(High Elf) Zone: Broadband Reports

harald

join:2010-10-22
Columbus, OH
kudos:1

That depends upon what one means by "clear". A deposited check is credited to my account very quickly, and is debited from the maker's account almost as quickly because the physical check no longer goes to the maker's bank.

The fifteen (or onger) days coems about because it may take the maker that long to discover the fraud and file a complaint.

I bet most folks here look at their accounts regularly. Not all do, especially businesses. So in that context "clear" means that the maker's window to protest has closed.

Not to lecture you - I'm sure you knew all this, but some readers may not. The second meaning of "clear" is the well spring from which most of the Nigerian frauds spring.

Best regards,