Rockfish

我收到对方的支票，并在与对方同一银行(TD)兑现。银行查明对方户头有足够的金额，所以银行就把对方支票上的金额转到我的户头。但过了20多天，TD银行又把这金额从我的户头退回到对方户头。我问TD银行为什麽把我的钱退回到对方户头，银行说对方不想pay, 银行有权在30天内退给对方。请问TD银行这样做对吗?如果不对，有哪机构我可以申诉。

Here is the answer from TD bank:

According to our Vancouver branch, he retrieved the cheque based on the reason “not in agreement”, so basically meaning he didnot agree to pay. From my understanding, he had 30 days to request the retrieval of the cheque.

StringBean

支票的支付人是可以给银行服务费而要求 stop payment的.你还得和支付人商讨.

我家你家

这样还可以？

Rockfish

stop payment 必須要在支票兑现前，支票兑现後20天TD银行無权把我的钱退回到对方户头,不是嗎?

iuoer

Never heard. I think the bank didn't post the cheque right away. And the person just withdrew all the money before the cheque was cleared...so bad...

Rockfish

The person didn't withdraw all  the money before the cheque was cleared. There was money in his account. TD bank put my money back into his account according to his request (he didn't want to pay and he could get money back even if his cheque was cleared about 20 days, this is weired).

Please see the reply from TD bank:
According to our Vancouver branch, he retrieved the cheque based on the reason “not in agreement”, so basically meaning he didnot agree to pay. From my understanding, he had 30 days to request the retrieval of the cheque.

ging

无论如何，经验就是不要相信支票，不管兑现的还是没有兑现的。如果要收到可靠的钱，一定保证使用可靠的付款方式。谢谢分享。

Tom62

我认为这是个时间差的问题，就象网上的骗房租的骗术一样。
联系对方，如找不到对方，我认为你被骗的可能性很大在。

你拿到对方的支票进到你的户头上，帐面上可能显现已经有钱了，这可能是银行给你的credit，钱没有真的到你的帐上，（一般银行都这样，会给你一定的credit，如果不是比较大的数目，这个钱你是可用的），等银行对现你收到的支票时，对方可能已没钱了，或是一张假支票。

另外我认为 #5对的，到了你帐上的钱，银行是不会又转给他的，这钱还是从来没到你的帐上可能性大。

为了保证可收money order, 或有银行证明的保证支付的支票。

ging

有一种办法是拿到支票后立即去支票的银行把该笔钱扣住，业务名称我不知道，但是要交一笔费用，royal bank 大概20块.没有真正办过，不知道是否好使。

Rockfish

=== 到了你帐上的钱，银行是不会又转给他的，这钱还是从来没到你的帐上可能性大。
I cashed the cheque on counter with cashier on April 2 in TD bank. The payer's account is in TD bank too. However, bank took away the money from my account on April 23. It is uncommon for TD bank to take 22 days to transfer money from his account to my account in the same bank(both TD), right?

chinadian

引用:

原帖由 Tom62 于 2012-6-9 21:34 发表
我认为这是个时间差的问题，就象网上的骗房租的骗术一样。
联系对方，如找不到对方，我认为你被骗的可能性很大在。

第一眼看到楼主的帖子时，我也觉得是被类似骗房租的那种方式骗了，银行可能解决不了问题。
实际上不仅是骗房租，网上代销也是一样的

Tom62

引用:

原帖由 Rockfish 于 2012-6-10 07:59 发表
=== 到了你帐上的钱，银行是不会又转给他的，这钱还是从来没到你的帐上可能性大。
I cashed the cheque on counter with cashier on April 2. However, bank took away the money from my account on April 23. It  ...

如对方是境外的银行，或是。。。。。，两三个星期对现是很有可能的，如：你到银行对现美国的支票，银行会告诉你可能要用15个工作日，15个工作日就是21天，如中间有假就不只21天了。

Rockfish

The person is in Vancouver instead of oversee so it took 22 days for TD bank to clear a Canadian cheque (in the same bank, both in TD) is unacceptable. I cashed his cheques for about 10 times without any problem. Payer wouldn't want to pay for his last month rent. Now, he moved out and the TD put his last month rent back into his account after transaction has been done for 22 days. I believe this is TD bank`s mistakes.

.

ging

按道理，银行应该有一个固定标准，国内银行有个术语叫清算，不知道是否本地有对应的做法。如果，22天以后还可以把钱划回去，这样的银行谁敢用？像楼主这样的问题，恐怕银行难辞其咎，可以考虑打官司了。

MrGrant

加拿大是一个信用国家，信用卡和支票是信用的产物，你首先信用对方（对对方有足够的信心），你才会用这两种支付方式，否则，现金和Money Order 等类似产品才可 用于交换。

很多骗子子，都在利用信用卡和支票的延迟支付性，进行行骗，自己要小心，否则没有好的办法。几千块的损失，警察是不屑受理的。

一个同事网上卖一个$700自行车，来了个买主，说我需要一些现金，说我给你写一张1000的支票，您把自行车给我，再给我250就行了。。

骗子之所以乐此不疲，就是据说因为他们的成功率还是可以接受的。

不要相信任何花言巧语。跟陌生人，永远不要用支票进行交易。

你可能碰到高级骗子了。。

Rockfish

我相信这完全是银行的过错。本人从来没有在加拿大打过此类的官司，请问有哪些机构可以帮忙。谢谢。

jintripp

在加拿大打官司远比想象的要复杂。要有足够的时间和资金去消耗，到结尾，即使赢了官司也可能损失了金钱。
和银行打官司可能是难上加难，大财团毫无疑问的有律师团，早就把所有的对银行不利的条款写到和客户签订的条约里了。另外，你如何证明是银行的过错呢？
给你点建议仅供参考：
1. 仔细的看一下你办理账户时的条款和银行的账户说明，看看有没有关于Stop Payment的期限和相关规定，或者去银行问一下，让他们给你找到相关的条文。
2.如果能找到有利于你的条款，可以和银行的Manager去谈，看看如何处理。
3.如果找不到有利于你的条款，那你可能只能去找欠你钱的人去要，如果他拒绝付的话，或许小额法庭可以帮助你。还是那句话，你要有足够的耐心。

祝好运！

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ssu01

Generally speaking, a cheque deposit is a credit to your account until the fund is cleared. Depending the type of cheque it is, the time for clearance varies from 1 to 30 business days and sometimes even more. For example, a Canadian serial-coded cheque can take as little as 1 day to clear while a foreign cheque can take up to 40 days to clear. It is possible and legal for the bank to "reverse" the deposit if the fund is not cleared for any reason.

Until the fund is cleared, you don't actually own the fund even if it shows in your account balance. Banks are money storages and they can only verify transactions on a best effort basis with millions and millions of transactions occuring per day. Therefore, if your payer requested the bank to stop this paricular payment, then that's what the bank would do.

Now in your case, if you had "cashed" the cheque (meaning you went to the bank and certified the cheque) and the bank still took the money back after 22 days, then you have a winning case against the bank. One thing for sure is that there is no 30 days money back rule if the payer suddenly decides he doesn't want to pay. The only rationale is then he told the bank that this payment was unauthorized by him/her.

So here is my suggestion. Go to the bank and ask to speak with the bank manager. Demand to know why it took the bank 22 days to reverse the fund when it was their own account. If it turns out it was a bank error, then you demand the bank to compensate for your loss and they usually will. If it turns out it was the payer playing tricks on you, then you will have to take him/her to small claim court if he/she doesn't work with you. Hope this helps. Feel free to contact me for more information about bank transaction and I will be happy to provide more insights.

Stanley Su
Mortgage Specialist (房貸經理)
Bank of Montreal
Victoria Main Office
Tel: (250)661-5147
E-mail: stanley.su@bmo.com

Rockfish

=====The only rationale is then he told the bank that this payment was unauthorized by him/her.

Thank you for your very useful information. Just let you know that this cheque was signed by payer (same as other cheques I have cashed in previous months). The date and amount were correct too.

I was very unhappy with TD. This small case took them more than 40 days (from Apr 26 to Jun 7) to investigate and got the result without common sense -  the payer had 30 days to request the retrieval of the cheque.

freedom_2008

是房客给你的房租吗？ 十一张(post-dated)支票？ 但人提前搬走了？ 所以他/她不同意付最后一张支票了？ 提前通知过你吗?  你还了押金了吗？