1/5/13

In God We Trust, All Others Pay Cash

I've been stewing. Fuming. Boiling. For a couple days now.

Most of you know I'll be retiring from daycare at the end of May this year. If you read any of my posts, you know that I'm whittling down my two rooms of daycare toys and furniture. Over the Christmas break, I put up some of my most beautiful early childhood furniture pieces for sale. I made arrangements with a lady who also does home daycare to come purchase them. She wanted them. Period.

They arrived and were thrilled. Couldn't hardly wait to get them in her daycare. Even brought a trailer with them. I was here without my boys or my husband, so I helped her fill the trailer in the sprinkling rain. Her aunt was with her and helped as well. She purchased my set of furniture that included two tables, twelve chairs, a book center bookcase, a toy shelf unit, and a shelf unit that included 10 cubbies for small sets of toys, often known as manipulatives. Once everything was loaded, including eight daycare cots for naptime, she whips out her checkbook. Cash only, that's what the advertisement said. "Oh, don't worry, it's good. I don't write bad checks."

In 25 years of providing daycare, I've accepted only CASH from daycare parents, because there's nothing worse than chasing a payment that isn't any good. Well, I trusted this lady. I let her write me a $580 check. Yes, I must be stupid. I even let her sit on my sofa and breastfeed her baby before she and her aunt headed back south to Austin.

You guessed it. Her check bounced. A $580 check bounced. I sent her a text. Nothing. No response. I sent an email. Nothing. No response. Finally I get a response that she's been out of town, she's so sorry, and she's never ever had a bad check. She'll take care of it right away, she promises. She'd be up before the end of the day, she said. She didn't show up. That was Friday.

I sat here all day. It's my husband's birthday. I was unable to take him to breakfast, to lunch, or to dinner, because I sat here all day, like a stupid idiot, waiting on her. I sent her another text this morning. No response. I sent her another this afternoon. She replied that she'd be here by 7p.m. tonight. It's now 7:10pm. I got a text saying she could come first thing in the morning, before church. I'm a bit irritated. To say the least.

So, I'm taking a poll. Do you think...
1.) I'm screwed out of $580 and she'll never show up.
2.) I'm screwed out of $580 and she might show up, but only God really knows.
3.) She's really a good person, I'm screwed, and someday I might get what I deserve, and someday she might get what she deserves too.

Let me state publicly here that I will never, ever, ever, ever, ever, ever take a check from anyone ever, ever, ever, ever again. I should have followed my instincts and unloaded her trailer when I heard she didn't have cash. And here I sit, still waiting.

UPDATE: I sent her another text (today) Sunday morning after 8a.m. and she finally showed up at 10a.m. with my cash. Thank you Lord for directing her to do the right thing!
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43 comments:

  1. That really bites, but I would lose hope - the fact that she's even responding is a good sign, I'd say! But then again, I'm a pretty trusting person... I hope it all works out for the best!

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  2. Oh my goodness. If she doesn't come tomorrow, CALL THE POLICE.

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  3. The amount of the check does make this a crime. You definitely need to get the police involved. Good Luck!

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  4. I am sorry. Yes get the police involved or she brings back the stuff pronto.

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  5. That's sad. I think she'll pay. Let us know.

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  6. I agree with the others. If she's not there by tomorrow morning, file a police report. You have her cell number and name, she should be easy to catch. If nothing else, the cops should be able to get your stuff back so you can sell it to an honest person. So sorry you have to deal with this. Sometimes people really suck.

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  7. I think you can take her to small claims court for that. Let her know that if she doesn't show up that's what your plans are.

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  8. I think she may very well mean to pay you, but for whatever reason, can't get the money all together at once. Bounced check fees may have taken over her bank account. It's a crazy cycle. A person puts money in there, thinking they have a deposit, but their account is overdrawn, so the money gets sucked up to pay fees. Thinking they have money, they write more checks. It happens again. I used to work at a bank. Happens all the time to very upstanding citizens with bad math skills or little knowledge about the banking system.

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  9. I'm really sorry to hear about this. I have to agree with those who suggest calling the police. I'd probably tell her she has until *some exact time* to resolve this or you will be forced to turn in her check. She could be arrested for writing a bad check.

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    1. I agree. I'd say by Monday at the latest, you need the money or else you will have to contact the police and take matters into your own hands. i'm sorry this has worried you. i'd be the same way

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  10. If there's an address on the check, I would go visit her and wait for her to get home. That way, you'll be sure to go with her to the bank to get the money. That is so wrong of her to do. I would agree to call the police as well.

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  11. I agree that if she does not show up, call the police and have her arrested for theft by unlawful taking (at least that would be the charge here in Kentucky). Good luck :)

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  12. Oh my goodness!! Keep at her, contact the police, you have her info with the check. She is relying on your kind nature!

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  13. That is just horrible.. call the police and have her arrested for theft.. i swear you cant trust nobody these days.Give them an inch they take 20 miles..

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  14. In Tarrant County, Texas, hot checks are turned over to the DA's office. They issue a warrant for the arrest of the hot check passer. No second chances. If she was honest, she would have told you to have the bank run her check through again. She has no intent of paying. I am so sorry Lisa. The good people, like yourself, pay for the bad. Small claims court is not the answer. This is a criminal, not civil matter.

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  15. WOW, my heart aches for you for i know you are a beautiful person. I try to think that people are good and will morally do the right thing so I'm praying that she step up and do what is right. I wouldn't say it was a stupid move because you did in your heart what you thought was right at the time.Its a well lesson learned for sure, not only for you but for us all! I will say this, God does not like ugly so I'm hoping her ugliness will turn into doing the right thing. Keeping you in prayer!

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  16. L. McReynolds1/5/13, 8:15 PM

    I hope it's a matter of her meaning well but for whatever reason not having the funds available as she thought. But then I can be naive! I think I'd let her know that you accepted the check in good faith, against your better judgement and that this is causing you stress and inconvenience, that you can't wait any longer. You either need to see the money or the items returned by tomorrow or you will have to seek restitution through legal means. Good luck.

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  17. I'm so sorry you are dealing with this, Lisa. I hope it all works out.

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  18. WOW. Keep us posted, for sure. I would advise against just going to her house though, that could be kinda dangerous. Get the police involved. So sad that she'd try to pull one over on you!

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  19. I'm SO sorry Lisa!! I hope you get your money, but I've been there done that, you probably won't. :( I would try small claims court and make her pay all of the fees.

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  20. If you actually file a police report...or even tell her you will do that...she might actually decide to pay if she wasn't going to. If she is really starting a day care...she isn't going to want the trouble.

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  21. This did happen to me with a client once------unfortunately with bookkeeping I have to take checks--the first 3 bounced checks they made good on----when the 4th bounced--well at that point I just refused to go back there--I ate it---and I knew they had the money but were living above their means (I was the bookkeeper!)---I would definitely report this to the police-at least get it on record so if you decide to go the court route---so sorry this happened to you.

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  22. Go stand out in front of her daycare business with a sign saying "she owes you $580 for the daycare furniture your children are using". This should get your money back. Small claims court takes too long.

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  23. I was a manager of a chain retail store so I know how to do this. List the times you have tried to contact her. Print off the email and save the texts and get the check (the bank will give you a motorized copy of it if they don't give you the original.) Go into the prosecuting attorneys office. You can usually walk in but you can call and see if it is better to get an appointment. The receptionist will let you know. File papers and turn over the check to them and they will send her notification of the proceedings and she will go to jail and be given a court date. She owes you the money for the check and what ever fees you had to pay to your bank for the bounced check. Don't feel sorry for her and give her second chances. She knew the check was bad when she wrote it and didn't feel sorry for you.

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  24. I am so glad that she showed up and gave you your money! I really thought she was going to stiff you! But at the end of the blog post I saw that she showed up with your money! Thank God for getting your money to you! What a tough situation to go through though!

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  25. I am happy to hear it was resolved. People disappoint me on a daily basis with their lack of manners and overall disregard of other people's time.

    I am so happy to hear that you received your money.

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  26. melissa griffith1/6/13, 1:35 PM

    Wow, she should be ashamed of herself. I wonder if she really is a daycare provider or if she was just trying to flip the furnishings and toys you sold to her, and that's why she kept putting off paying you. Glad you received your money!

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  27. I am so happy to hear that she came through, that had to be so frustrating, and I agree with your new policy, "CASH ONLY", stick with your institution, always best! Happy New Year!!

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  28. I am so glad you got it resolved. But, if I were you, I would report her to the Better Business Bureau anyway. She owns a business, and bought the furnishings for her business. Therefore, with the bad checks, lack of communication and missed deadlines, her bad business behavior should be reported so that others can be alerted.

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  29. Oh Lisa thank heavens that you got your money. I am very happy that you got it worked out. Sometimes stuff happens.

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  30. Glad it was resolved finally. But still a ton of stress and missed birthday with your husband. Nothing can replace that.

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  32. I am glad she finally came through. I would have hunted her down like a mad woman if she hadn't showed up. I would have been on her front porch asking for my money when the other parents were dropping off their kids.

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  33. Man, all I can say is thank you God and that money should not rule my emotions, although it has, plenty of times!

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    1. money should not rule my emotions....love it....I just wrote that on a sticky note and stuck it to my desk....thank you :)

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  34. glad everything worked out! i was going to suggest using her name in the blog and sending her a link. but i would have given her a couple more days before resorting to that. yeah, id have been pretty upset!

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  35. Very happy to learn that you got your money. I took a check, ( at a yard sale), for several Longaberger baskets. I thought it was ok because the lady was a realtor in town. Imagine my surprise when my $1100 check she gave me bounced. I heard lots of excuses and finally had to threaten with the DA in order to get her to pay me. Just don't judge everyone by the actions of one. Most people truly are honest. Those that aren't make it bad for everyone.

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  36. Oh no. Lisa, I'm so glad it worked out. That made me heartsick reading your post, I am glad it worked out alright.

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  37. Iam happy to learn that it finally worled out for you. It is so easy for checks to bounce. I beleive that is the reason that "we" are leaning towards a cash or card only society. I'm happy that it worked out in your favor! Have a nice week and Happy Birthday to your husband!

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  38. Lisa I am SO glad she came back to pay! Shocked, but VERY happy for you!! :)

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  39. First of all let me say I'm so sorry this happened to such a nice person.
    I operated a daycare in my home until retirement and My business was cash only as well. but... this came about after repeatedly having checks returned and then the parents would just fined a new daycare instead of paying me the money owed for the care of their children.
    I truly hope this matter is resolved quickly and to your benefit.
    ((Hugs)).

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