點樣可以拎返張void cheque?

cunningchu

請耐心閱讀以下"水蛇春"訊息

我用void cheque 給管理公司要求每月自動轉帳管理費, 見佢7月同8月都無扣數, 上個禮拜初打電話問.  個Account dept 女仔最初話我搵錯部門, 話要同property manager講, 我叫佢轉條線過去, 佢又話property manager都係wrong person, 話要請示account dept 經理, 總知玩到我陀陀凌. 之後係屋企電話留言話我地無比錢 (我已經留左手提比佢).  

第二朝, 叫老公去銀行查, 先知管理公司係8月頭已經1次過收左7月同8月的管理費, 我咪打去管理公司general line (我得呢個號碼)問, 由9點打到12點, 都打唔通, 我唯有留言叫個receptionist 轉告account 果位小姐打番比我.  

果位小姐係第2日的中午先回電!!! 佢仍然話我個單位的管理費無交, 我同佢講銀行話過左數, 佢話無資料顯示, 又話唔知邊果部門忙, 好多paper work 未做, 咁我咪問佢係咪account的資料未updated (8月中無可能連8月頭的數未UPDATED架?) , 佢跟著9唔搭8話自己係新黎, 跟著仲話我地個單位7月賣左, 可能未有資料.....我頂!! 我幾時話我個單位賣左?  佢跟著話搵經理同我講, 但駁唔到線, 我都聽都佢經理點教佢...最後, 條線CUT 左, 我咪等佢地打番黎. 等左成果鐘, 無回電, 留言俾佢, 唔覆.   

再打去general line, receptionist 話條茂利係新黎, 咩都唔識, 幫我睇埋個帳戶, 都話我無交管理費, 跟著幫我駁去俾account 經理, 點知又係無人聽 (奇就奇在佢經理之前明明教條女點駁線, 見條線斷左, 又唔番比我), 我又再留言. 到左今日, 個2條女都仲未回電
  
禮拜六去左銀行, 雖然2個月的管理費已經扣左我地數, 銀行經理幫我地取消該交易 (同對方銀行聯絡我地的情況, 要求退款, 仲未知得唔得), 但係因為我地俾左張void cheque, 銀行唔可以做任何野, 我地一定要同管理處聯絡.  

既然管理處"廢"到明明收左錢都話無 (即係可以話無收過我地的void cheque), 雖然我地有Statement, 但佢地連電話都唔覆 (諗住今禮拜五踩上佢地office), 想問下有咩方法令佢俾番張void cheque我地? 如果, 佢地堅持話無, 我地有咩渠道投訴? Thanks.

唔好意思, 打左咁多complicated background info, 多謝收看同埋你的建議

fongparker

Dont worry.  As long as you're in the right.

stevoo

回復 18# blue20ae

Unless someone come up with a better solution writing checks is the better option then giving someone rights to go through my account!

blue20ae

Cheques will have its own set of problems and frauds.

Unlike in Asia, Banks in Canada don't verify cheques of "small amount".

http://www.cbc.ca/news/canada/br ... 02/bc-abmfraud.html

cunningchu

Thanks everyone input and advises.   

I called the mgt co yesterday, as usual, I failed to talk to the people working in account dept. Then I called again & asked the receptionist (later i found she is also AA) how to cancel pre-authorized debit.  Surprisingly, she has an access to review my account and confirmed they had charged us 2 months strata fees.  If I want to cancel PAE, simply email her & she will settle for us.  This issue had been bothering us for almost 2 weeks.  Can you believe it is settled by a AA, not the one working in account dept?! It is really interesting.  

Anyway, she was speedy to confirm our PAE has been terminated by email return & cc to account manager as we mentioned we want to get back the void cheque, if possible. The account manager finally "wake up" and replied they need to keep it.

Like Stevvo said, we will settle the bill by issuing cheque instead of pre-authorized debit in the future.  It is inconvenience, at least it is peace of mind though.

stevoo

Something similar happened to me once but with credit card company and no they can not do a stop payment on pre-authorized debit, you have to get the other party to stop that. I was  told that after you signed that agreement they have the right to withdraw money as long as you still hold that account even after their whatever service is no longer needed also trying to get these unauthorized payments would be pain in the a** so I always avoid going into pre-authorized debit agreement. I'll just write my checks or making payments through online banking, yes it is inconvenience but that convenience might come with a big price tag.
Oh I even had mortgage payments deducted from me after I paid off the mortgage and getting it back was a big headache! Just try not to sign these agreement if you don't have to that's my 2 cents! Hope everything works out for you at the end!

匿名

樓主﹐ TD 絕對係老點你。。。

你打比他的經理投訴喇。。。

正常做法﹐比DD錢做 stop payment 已經足夠﹐邊條茂利甘樣點你叫他去死喇

blue20ae

Ask TD or your management company for your pre-authorized debit agreement (PDA), or even a BLANK one.  There should be a clause on the terms on how to cancel the EFT, and the steps on how to do it.  (Likely you have to formally submit your request by writing, not just calling them or show up at their office.)

I highly doubt you need to get back the void cheque.  The purpose of the void cheque is only to help to set up the EFT correctly and ensuring the right account and bank number are used.

Even if you give someone a signed cheque, you can stop payment without getting back the actual cheque.

cunningchu

TD told me as long as i had given the void cheque together with pre-authorized debit agreement (pda) to the property mgt co.  that means we consent they can take $ from our account.  The only way to stop payment is taking back the void cheque or get their official notice of stop payment.   Otherwise, closing account is the final option.  Honestly, I do feel ridiculous and feel insecured for what i was told by TD.  

I can accept if they say their record is not updated, they make mistake or whatsover excuses.  Yet, the account manager never stand out to solve problem instead of ignoring me.  I lost confident for this co to collect bills from landlord's account and it is not the first time I receive their payment reminder even we had already paid.  i never encounter such problems with my townhouse's property mgt co whereas they even have a "black & white" note to tell you how to stop pre-authorized payments if we want in the future.

We plan to drop by their office on Friday and we hope this issue can be settled asap.

cremedelacreme

just call telephone banking or go to the bank and place a stop payment.  They can do stop payment for lost cheques, and or also pre authorized payments.