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Sent to a friend A teller at Farmers Bank of Northern Missouri N.A. cashed a $3,800 cashiers check immediately, then I was informed that it was counterfeit about five days later. I did not know the cashiers check was counterfeit. I was told that the cashiers check was for taxes for lottery winnings, when I received it in the mail along with a letter. I sent this money Western Union, thinking that I was paying taxes and the tax preparer for lottery winnings of $50,000. The bank lied and said that I deposited the cashiers check into my account, when I did not. The bank gave me a loan to pay them back, $3,800 with interest. I got behind on payments and they held my EFT check and said they would keep the whole check if I did not make up three payments of $126.41. So, I paid this bank $379.23. Then, I requested that the payments be lowered and they revised the loan to $85.00 monthly. For the next three months, I made two cash payments and one payment with a money order. I received a Right to Cure Default for all three of those months. This bank said I didn't make any payments for three months and I have the receipts!!!!!!! After researching this, I do not feel responsible for the cashing of this check to begin with because of the large amount. HELP ME, there is something that really stinks about this. In this small town you over hear people talking. I've heard people say that they think someone that works at that bank is stealing and I think so too. Post this all over the internet, broadcast it on the radio, I don't care!!!!!!!Posted 4 months ago
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- Sorry to say you're out of luck. All those disclosures you never read and the law is on the banks side. By law you are responsible for any check you negotiate whether good bad our ugly. That is why people writting bad checks is such a huge problem. The other problem you are going to have is that this must have been a foriegn lottery because in the U.S the taxes are taken out of the winnings. You can not enter a foeriegn lottery while in the U.S. it's illegal. These scams are effective because the receiver of the check breaks a lot of laws cashing the check. Instead of blaming the bank be happy they didn't press charges against you for cashing a counterfeit. I don't know your states banking or local laws but in the state I live in if the police have reason to believe you had enough knowledge that the check was bad and still cashed it you could be brought up on charges and the bank could sue you for the money as well as court cost. You're bank is actually trying to resolve this amicably. Whether you think so or not.
Posted 3 months agoReport - How could you be so stupid? How could you have won a foriegn lottery you didn't even enter? You got duped and are lucky you are not in jail for passing a bad check. They don't care where you got the check because you caould have made that story up trying to make yourself look like a victim. If you are ever so inclined to deposit another check you get for "free." Wait 60 to 90 days before withdrawing against it or sending anyone any "tax" money for it. You wouldn't be in this mess and even so, they so called lottery probably wouldn't contact you anyway wondering where thier tax money was. Why didn't you just tell em to take it out of your lottery "winnnigs" before they sent the check?
Posted 2 months agoReport
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