What Should I Do About a Returned Check and Insufficient Funds?

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Discussion Overview

The thread discusses the challenges faced by a participant regarding a returned check and the associated fees incurred due to insufficient funds. Participants share their personal experiences and opinions on how to handle the situation with the customer.

Discussion Character

  • Opinion-based
  • Anecdotal
  • Debate/contested

Main Points Raised

  • One participant expresses frustration over being charged for a returned check and insufficient funds, questioning how much to charge the customer.
  • Another participant suggests making a copy of the returned check notification to provide proof to the customer.
  • One participant would only charge the customer the $10 fee, proposing to split the overdraft fee with her.
  • Another participant believes it is necessary to pass on the charges, especially if the customer is known well.
  • One participant acknowledges the complexity of charging more than just the $10 fee due to the time spent collecting payment.
  • A participant insists that the customer is at fault for the overdraft, sharing their own experience of needing the full amount plus fees.
  • Another participant suggests holding or returning the customer's products until payment is received, highlighting the risks of product delivery before payment validation.
  • One participant mentions the importance of communicating payment expectations to the customer and not allowing them to avoid responsibility.

Areas of Agreement / Disagreement

Views differ on how much to charge the customer for the returned check and associated fees, with no clear consensus emerging on the best approach.

Contextual Notes

The discussion reflects personal experiences and opinions regarding handling financial issues related to returned checks within the context of Pampered Chef transactions.

Who May Find This Useful

Consultants dealing with similar situations regarding returned checks and insufficient funds may find the shared experiences and viewpoints relevant.

spoiledchef
spoiledchef
Messages
386
Okay, so a customer's check was returned ($62.00 check). I was charged the $10.00 fee for a returned check. I was also charged $32 for insufficient funds (keep in mind this WOULD NOT have happened had their check cleared). So, do I tell them to pay me $62.00 + $42? I'm sure she'll be ticked, but so am I at this point. ARRGGHHHHH!!!!!!

Help QUICK!
 
That's what I would do. Make a copy of the notification, black out your account number, and send it to her so she knows that you aren't making it up.
 
I would only charge her the $10.

If you want to recoup the overdraft, maybe go halfsies with her.
 
You definitely have to pass on the charges. Hopefully, it is someone you know well or you know the host well and it was an honest mistake. Good luck with it!
 
Good point on the $32 part since it's not really her fault. However, you can charge more than just the $10 b/c you are spending time collecting it. That's why many places charge $25 for a NSF check. Some people have this posted at their shows. I have been lucky so far and haven't had this happen yet. I still get the individual checks vs having the host write one check.
 
  • Thread starter
  • #6
Actually it IS her fault. The charge that overdrafted my account was for THAT show she bought from. I told her I need the $62 plus the $42, and well, she doesn't even have it. ARRGGHHHH!!! I'm so ticked right now.

Not to mention that my DH is in b/t jobs, and well, we don't have ANY extra money for this crap. We can hardly pay the bills, much less pay for someone else's mistakes.

Sorry, I'm a little upset right now.
 
Did she work out some kind of arrangement with you? Has she gotten her product yet? In the case that she doesnt, maybe get her products and hold them, or return them for a refund and have her pay the overdraft fees. That is the one bad thing about how PC works the shows... people have their products before we know payment is even valid.

Does you bank offer overdraft protection? Most do, so take advantage of that for sure...

IN the mean time, let her know when you expect payment by. It is up to her to pay up on the agreement. Dont let her walk all over you.

Thankfully one of my girls is a Michigan State Trooper. OF the two checks I have had problems with over the years, both were handled by her, and I had my $ in no time flat. Good luck!
 
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