Bank Woes

How does crap always happen? The bank just debited $600 from our checking account! Apparently Dick sold a pick-up and the buyer gave him a check for $600 with the plan to get the pick-up on the 15th. They never showed up to get the pick-up and put a stop payment on the check. Since Dick cashed the check there was no other way to recover the $600 other than doing a debit transaction in the checking account. Can you say “overdrawn?” We live payday to payday!

My biggest questions are…

1. Why did the buyer just not call and say “hey I changed my mind. I don’t want the pick-up please don’t cash the check.”

2. Why couldn’t the bank call and say “we need to debit $600 from your checking account and you don’t have $600 in there.”

Aside from the questions that I have I called the bank to figure out what this transaction was all about. Two of the gals at the bank do not know me so they would not give me any information. I asked to speak to SS ~ she knows me. Yes, I understand that the other girls are only doing there job especially with all the fraud and identity theft out there, I truly understand that. But about 9 years ago we filled out the paperwork to add me to Dick’s account. I have been using the checking and savings accounts since we first started dating. We would go out and I would write and sign the checks ~ no questions asked ever!! Finally after six years we added me to the account. Now the bank has no record of it.

So why was there never any questions asked when my paychecks have been deposited into the accounts? Why did they not question Dick on my last payday when I was not here to get my check or deposit it. He picked up my check, signed it, and deposited the check into “his” account. I have been signing checks out of “his” account for over 16 years and now they are questioning it! Talk about slow!

GFAFB

GF