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標題: 支票盜竊 OMG!! [打印本頁]

作者: Mr.JPG 時間: 2008-5-1 10:25 標題: 支票盜竊 OMG!!

如果張支票未到我手時就比人偷左
仲要係一間唔係我本人所用既銀行deposit或cash埋
個出票公司只寄返個 return cheque copy 比我。
之後我就要去同銀行交涉。

間死人公司晒左我個幾月話同我查
最後話比張 return cheque copy 我
我係期間都報左警備案。

如過張支票係冇任何簽名係後面只有個銀行蓋障
照常理黎講應該要銀行付責
當我未去個銀行吵個陣我想知到有乜野我係要注意
或去證明 deposit/cash 個人唔係本人

有冇人可以教路指點下小弟謝謝

作者: Ultraman 時間: 2008-5-1 10:51

1.Was the cheque payable to your name, or "anyone" (a cash cheque)? How can another person "using" your name to deposit or cash the money from it?
2. Usually for cashing a cheque, bank teller would ask you for an ID (eg. driver license) and write down the number. (no matter payable to a definite name or "cash". and no matter your own bank or not) Then you need to sign (endorse) the cheque.
3. Usually for depositing a cheque with a definite payee name to the bank account, bank teller would ask you for the bank card or bank account number that matches the name on cheque. Sometimes also ask you to endorse it.
4. Unless, that person (who took your money) has the same name of yours. Or can sign like your signature (I don't think there is a signature at the back of the returning cheque, right?)
5. If not, probably the bank's fault to make this mistake.

作者: Mr.JPG 時間: 2008-5-1 11:01

I still haven't receive the cheque yet. I should be able to get it tomorrow or monday.
at this time i won't be able to know what is the name in the payable section. Its a cheque
from Mazda. They should have my name listed there.

I think the person must have deposit the cheque through bank mechine. That is the only
way I can explain why it had no signature at the back.

My last name had a very unique spelling. its not typical HK/TW last name. The chance
of having the same name is almost to none. According from Mazda, there isn't any signature
at the back of the cheque.

作者: utopia 時間: 2008-5-1 11:05

Chance is someone stole your cheque and changed the payee name in a professional manner.

When I was in my previous company, I ran 100 cheques in one cheque run. One of the cheque was stolen, and the Indian lady changed the payee name in a professional way; as if her name was printed on the cheque. She took our company cheque to Money Mart and tried to cash it but the teller was very smart and notice the different. They called me and verify did I issue that cheque for her.

Sometimes, bank teller can be careless; that's why I always highlight the important thing for them. Unless it's something obviously odd, I don't think the bank teller will ask you to provide a piece of ID; especially in a busy branch.

[ 本帖最後由 utopia 於 2008-5-1 11:11 編輯 ]

作者: Mr.JPG 時間: 2008-5-1 11:13

If thats the case, should the bank responsible for that mistake they have make?
They should be able to trace down who and where the cheque deposit/cash to.

If thats from a pro, I'm sure they already a way to get away with it.

作者: celeron_266 時間: 2008-5-1 11:14

i think if you cash it through a bank machine they will still check the name before making the fund available

作者: daimo 時間: 2008-5-1 11:21

The cheque issuer's bank should be able to request the other bank to confirm that the thief's account does not belong to you.

if you haven't received the cheque , then why are you liable? The cheque issuer should be the one chasing, not you.

作者: Mr.JPG 時間: 2008-5-1 11:21

I'm talking about deposit the cheque through the bank mechine.
but I agreed with Utopia, the person must have changed the name to deposit the cheque.
If thats the case, how come Mazda didnt notice the name been changed when they received
the copy of the return cheque. em.. 真係耐人尋味

作者: Mr.JPG 時間: 2008-5-1 11:25

原帖由 daimo 於 2008-5-1 11:21 發表
The cheque issuer's bank should be able to request the other bank to confirm that the thief's account does not belong to you.

if you haven't received the cheque , then why are you liable? The chequ ...

Thats what i thought too. I have called Mazda so many times to follow up with the issue.
Lady from End of term department told me, giving me the copy of the return cheque is the last thing they
can do. Obviously they dont want to deal with it.

作者: superberry 時間: 2008-5-1 11:45

you should talk to the bank who cashed the cheque...... it's their fault that they didn't catch the fraud, especially if there's no signature and ID at the back.

作者: daimo 時間: 2008-5-1 12:01

原帖由 Mr.JPG 於 2008-5-1 11:25 發表

Thats what i thought too. I have called Mazda so many times to follow up with the issue.
Lady from End of term department told me, giving me the copy of the return cheque is the last thing they
ca ...

it's not about what they can do. it's their liability. Tell her your next action is to go to small claim court. BTW where was the cheque lost?

作者: utopia 時間: 2008-5-1 12:09

How did you find out someone else cashed your cheque? From the cheque issuer or the theif's bank or from Mazda's bank ?

I need to know more information before I can give out opinion.

作者: utopia 時間: 2008-5-1 12:12

From my experience, the bank most likely can trace back the money for you but they will not reveal any information such as who and where did it gone.

Few years ago, I was with Royal Bank and I was away for vacation for 1 week. During that one week, someone max out my banking account through internet (perhaps, I was very careless back then on internet security and forgot to log out when I did online banking).

Someone managed to max out my account as if I e-transfer the money. Luckily, the bank noticed the odd transaction and immediately frozen my account and contact my mom.

After I came back from vacation, I met with my mom's financial adviser and told them there is no way I can do e-transfer as I was in Mexico. So they credited back the amount to me but insist not to reveal any information to me....

作者: Mr.JPG 時間: 2008-5-1 12:16

Thats what Mazda/Ford told me. They wont be able to tell me exactly its been cashed or deposit.
because I spoke to different customer service before I end up with the lady at the end of term department. The lady told me the transaction took place at the TD bank on Lougheed.

作者: utopia 時間: 2008-5-1 12:30

OK...

Did you received the returned cheque from Mazda or TD bank yet?

If yes, did the return cheque show the change on the payee?
If the payee part did not change, is it a copy of the original cheque or the return cheque from TD bank?

If the mazda accounting department is lazy and not going to do anything for you, they might have just sent you the photocopied or scanned copy of the cheque.

(the day they issued their cheque, they might have done photocopy or scanned the cheque)

If they sent you the returned cheque from TD @ loughee, ask Mazda if they could also mail you or courier the transaction record from the bank. Obviously, if the bank returned the cheque to them, there must be some official transaction report. Although they might not give it to you but the more document you have, the easier it can be fixed.

After you have both returned cheque copy, and transaction report copy, you can bring the documents to the bank and talk to the reception (not the teller) about this issue and kindly ask he/she; who should you talk in regard this issue or can he/she help you.

That's all I can think of now. If you want to know more detail, wait for couple hours and let me ask Caveman since he works in the bank too. I might able to get some answer from him, if not, he might ask his colleague/supervisor for opinion.

作者: Mr.JPG 時間: 2008-5-1 12:59

Thanks all especially Utopia for giving me all this valuable info.
I haven't receive the copy of the return cheque from Mazda yet. Hopefully i can get it by tomorrow.
this time i want them to mail it to my office address. Waiting, is the only thing i can do now. I will
ask you (Utopia) for more details if needed. Thanks
Hopefully I can have this problem solved as soon as possible.

作者: utopia 時間: 2008-5-1 13:12

You welcome

I'm not that in depth in accounting knowledge. These are just some ideas on top of my head from experiences.

In case you are concern why would I suggest you to talk to the reception instead of the tellers.

1) They have supervisor knowledge/authority but not supervisor responsibility.

2) Not all tellers are well trained, they might direct you into wrong path.

Don't worry about it too much. It happens all the time. kekeke, I made stupid mistake on my direct payroll too and it fixed. It's the stupidest mistake you can think of :p I wanted to hit my head to the wall so bad ..., I'm sure the payroll department want to do so too hahahah

As for the transaction report, it's not completely necessary. it's something that when both Mazda and bank are not willing to give you a hand, and here come the report can act as a prove.

作者: Mr.JPG 時間: 2008-5-1 13:27

如果個mistake係我同個銀行之間我都冇甘驚
不果今次有埋 mazda 同埋個賊。
如果我係 mazda 我都會覺得係咪對方自己deposit/cash 左
再扮冇收到。聽落好似複雜好多。哈哈

作者: SAZABI 時間: 2008-5-1 13:28

I agree with daimo.
you are taking the wrong path. Mazda owes you money, so you chase Mazda. None of this crap is your business so you should not get involved.
Take them to court and I bet they will sort everything out for u.

作者: Mr.JPG 時間: 2008-5-1 13:47

I agreed with you. but they have wasted me almost 1.5 month.
They have proof that the cheque been deposit or maybe cash.
Who would believe, a stranger can deposit / cash my cheque easily from the bank.
How can i proof myself i'm not that person. Like i said, I haven't receive the
cheque back yet, I'm still not sure what went wrong.

作者: daimo 時間: 2008-5-1 14:40

http://www.ag.gov.bc.ca/courts/civil/smallclaims/index.htm

a) it's not you to take the responsibilty of their failure to deliver the cheque to you. (should it be registered mail?)
b) The moment you show them you are willing to wait for 1.5 month and chase the bank, they figure that you are not going to play hardball with them.

Go to the court.

作者: SAZABI 時間: 2008-5-1 15:03

原帖由 Mr.JPG 於 2008-5-1 13:47 發表
I agreed with you. but they have wasted me almost 1.5 month.
They have proof that the cheque been deposit or maybe cash.
Who would believe, a stranger can deposit / cash my cheque easily from the bank ...

B/c you started the whole thing wrong, that's why you wasted your 1.5 month. And very likely you will waste more of your time if you continue this way.

You take them to court for not paying you. Then it is their responsibility to prove that they paid u. Not that you need to prove that you didn't get the money. They will likely sort everything out for you before you guys actually go to the court.

作者: simon 時間: 2008-5-1 16:31

the sender should have made sure you got the check and sent it via courier. you are in no way responsible.
1 way u cna use if u dun want to waste time in court.
Fill out teh small claims court papers and send them a copy and put a note stating that if you dont get a response by a certain date, this will get filed.
Then it should be fixed.

作者: bingbing727 時間: 2008-5-1 18:05

I have another opinion from utopia, maybe it's just my bank. I would suggest you to go to the tellers.

Receptionist doesn't involve in cashing chqs or deposit, they would hv no idea what's going on and indeed bring you to the wrong person. Or simply tell you to deal with mazda directly.

If the thief really cashed the chq, that would be done at the counter. So after you receive the copy of the chq, see if there's anything marked behind it. For my bank, we would require customer to provide 2 pieces of ID for cashing a chq and we will mark it down. Procedure as follow:

1) we will call the company (in this case Mazda) to verifiy the chq. We will mark down whom we speak with and the time we call. Then we will verify the signature on the chq. (Did mazda issue chqs from td bank?)
2) the person has to endorse at the back, w/ 2 IDs marked down by tellers

If it's for deposit, check if there's an a/c # written down. If the payee name hasn't been changed, the only case for a person to deposit that chq into his/her a/c is to hv the payee endorses in front of the counter, but that also requires supervisor's approval. If the payee name did change, tellers won't be able to notice if it's very professional. But usually, we will hold chqs until the chqs have gone thru our clearing system (debit the company's a/c and credit the payee's a/c) if the a/c's credibility isn't high enough to use the money right away.

Finally, after you receive the chq and you see the td stamp, just go to that branch to deal with it. Ask Mazda's account payable to prove the chq is issued to your name (if the payee's name is altered), since there is a chq #, they should hv kept it on file. If it's your name on the chq, just show them your IDs lah... if it's the bank's mistake, they will give you back the money ge. But as utopia said, they won't disclose the details, like who took the money.

Hope it helps

作者: superberry 時間: 2008-5-1 20:30

I was a teller, and I handled a lot of fraudualent cases..... what Utopia and BingBing727 said was correct. However, it is not your job and responsibility to investigate how the theif negotiated the cheque. It is Mazada's responsibility to make sure you are paid properly.

So, as other people suggested, you should keep haunting Mazada to follow up the case. They should be the one who talk to their bank and say "hey, someone else cashed my customer's cheque. I need to get a refund".

Since you will get the copy of the cheque, you can go to TD and tell them, "hey, someone else cashed my cheque. Mazada refused to issue me another cheque. I need your help to solve this problem!"

Again, it is not a customer's job to investigate how the cheque fell into the theif's hand, and how he negotiated the cheque. Save your energy to haunt Mazada!

作者: news 時間: 2008-5-1 21:23

yeah just keep haunting mazda...u dun really need to deal with the banks yourself..bcoz u r not the chq issuer and the fraud wasnt happen in your own a/c...unless the chq was cashed under your name..then it will be a different story

[ 本帖最後由 news 於 2008-5-1 21:41 編輯 ]

作者: superberry 時間: 2008-5-2 08:02

yup yup...... the bank may not be able to start the trace since you are not the account owner. Keep calling Mazada everyday until they are sick of hearing your voice! Or you can mail a formal complain letter to Mazada head office to complain how bad the dealer's customer service is. Usually the dealers really care this kind of complains, at least my car dealership does.........

作者: utopia 時間: 2008-5-2 08:46

well, dun worry. I won't get offended. Beside, I'm not in depth in these knowledges. Just on top of my head, I imagine that happened to me when I'm at work. What would I do jei.

I agree with everyone here. You are not responsible for the whole issue. Mazda accounting should be responsible.

However, I don't think calling them everyday will work. What I would do, is find someone who is very good at English. Write a formal complaint to their district manager directly, and filed this complaint. Hinted that you are very disappointed that your staff is neglecting you and refuse to help you and you have nothing to do with it. You will absolutely not going to recommend Mazda to anybody around you or share with the media... blah blah blah.
Then, I think they will start doing it.

Caveman and I wrote a very detailed formal complain to Wendy's district manager in a "humble" tone. And the district manager disparately response our e-mail and ask if he can contact us directly

作者: RayRay 時間: 2008-5-5 02:49

Keep us posted about the process and result. We have to learn from your experience. By the time we learn, we feel sorry about your trouble. Hope all LYK know what to do when come across.

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