Legal Question in Banking Law in Florida

How to find out why a check was returned

Hi!

I had received a check in the mail from a new client. I cashed it at a local check cashing store. The check was returned. I have to pay the check cashing store back for the money they gave me, plus an additional fee. The people who sent me the check have vanished.

I would like to be able to persue the people who sent me the check for criminal actions. I would like to find out WHY the check was returned - detailed information. The check cashing store tells me to talk to the people who issued me the check. They refuse to give me ANY details about why the check was returned, nor will they give me the returned check.

What are my rights in this instance? Is there any way that I can get the check cashing store to not only give me the details about why the check was returned but also to either give me the check back or give me a copy of the front and back of the returned check?

I thought there were some laws on the books that require full disclosure regarding things like this, otherwise people can just make things up and randomly sue people for whatever amounts they want to.


Asked on 6/16/05, 10:28 am

1 Answer from Attorneys
Tonia Troutwine, Esquire - Troutwine Law Group. LLC

Re: How to find out why a check was returned

If the check cashing store is going to collect from you, then they must have some proof that they never received the funds. You should speak with a manager and request proof that they did not receive the funds. They may not be able to provide you with the check, but they should have some type of internal records they keep and are able to show to you.

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Answered on 6/17/05, 8:43 am


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