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Author Topic: "I'm never shopping THERE again!" Share your story!  (Read 1958570 times)

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Sirius

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3240 on: November 07, 2012, 01:08:46 PM »
Oh, so not letting me take my new car until the insurance is in place wasn't just because I was a single woman?  I haven't bought a car with Mr. Sirius yet - we've been married 14 years and are both still driving the cars we had when we got married - so I don't know if we'll be subjected to this.  Still, the times I had bought cars before my last one all the salespeople had needed to hear was that I had an active car insurance policy (and see proof, which I always provided) and I was allowed to drive the cars off the lot.  With the Metro, even proof that I had an active policy with my old car wasn't enough.     

If I remember from past threads, you are in California?  I believe it's a state law because both times I bought a new car I definitely had to show proof of insurance before I could drive it off the lot.   Because it was late by the time everything was signed, I had to go back to the dealership to get the car the next day.

I was in California at the time.  I now live in Oregon, and it'll be interesting to buy a car here.

Girly

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3241 on: November 07, 2012, 02:31:55 PM »
Cue a few days later when we want to pull the cash out to pay cash for the car.
"Oh, RegionMom, the company denied the check, since it had to be only for DH, and you signed it without his permission."
"WHAT!"!

Sorry, I don't see what the bank did wrong? If the check was made out to your husband, he is supposed to sign it, not you....

artk2002

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3242 on: November 07, 2012, 02:49:08 PM »
Cue a few days later when we want to pull the cash out to pay cash for the car.
"Oh, RegionMom, the company denied the check, since it had to be only for DH, and you signed it without his permission."
"WHAT!"!

Sorry, I don't see what the bank did wrong? If the check was made out to your husband, he is supposed to sign it, not you....

RegionMom specifically asked if it was ok before depositing the check and was told 'yes'. She relied on the bank's representative to give a true and accurate answer to her question and they failed.
Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bow lines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.

Girly

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3243 on: November 07, 2012, 03:00:46 PM »
Cue a few days later when we want to pull the cash out to pay cash for the car.
"Oh, RegionMom, the company denied the check, since it had to be only for DH, and you signed it without his permission."
"WHAT!"!

Sorry, I don't see what the bank did wrong? If the check was made out to your husband, he is supposed to sign it, not you....

RegionMom specifically asked if it was ok before depositing the check and was told 'yes'. She relied on the bank's representative to give a true and accurate answer to her question and they failed.

Yes, she asked if she could make the deposit to their Joint Account, even though the check was made out to only her husband.

I don't see anything there that says she asked the two bank representatives if she could sign her name on her husbands check as the endorsement.

PastryGoddess

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3244 on: November 07, 2012, 04:52:20 PM »
Ok Girly I think you need to read a bit between the lines.

RegionMom could not sign the check and deposit it into her account as the check didn't have her name on it
RegionMom could not sign the check and deposit it into her husbands account as it didn't have his signature
The joint account has both RegionMoms and RegionHusbands name on the account and both are signatories on the account 
If she had the check, the only way she would have been able to deposit said check would be for her to sign it and deposit it into the joint bank account.


She asked two bank employees if that would be ok.  Both of them said yes, so she did.  As Art2k said "She relied on the bank's representative to give a true and accurate answer to her question and they failed." 


If they had told her no, she could have gotten RegionHusband to sign and still deposited the check into the joint account.  They then would have had the money at the time they needed it rather than having to sit in a bank officer's office and make phone calls all over town before getting their money.
Maryland

bluhairfreak

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3245 on: November 07, 2012, 05:11:08 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

JenJay

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3246 on: November 07, 2012, 06:04:23 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

That's how I understood it, too.

DH and I have a joint account. Either of us can sign a check made out to both of us (as long as it says "Jen or DH" and not "Jen and DH", which requires both signatures) or one of us can sign our individual check and the other can deposit it. I can't sign checks made out only to him, though (nor he to me).

Moray

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3247 on: November 07, 2012, 06:14:25 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

Yup, she totally has the option to deposit the check, but the person the check is made out to still has to endorse it. No exceptions.
Utah

RegionMom

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3248 on: November 07, 2012, 06:45:56 PM »
And that is why I asked two bank employees, since I am not in the habit of handling large official checks.

Since we got it settled on a Saturday morning, I can tell you that our bank did work quickly to make it right, and all ended well.

Next time (if we ever get an insurance check again from a texting drunk driver to replace the totaled vehicle) I will have DH sign it at home, or have him come along with me!

Fear is temporary...Regret is forever.

Luci

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3249 on: November 07, 2012, 06:50:21 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

Yup, she totally has the option to deposit the check, but the person the check is made out to still has to endorse it. No exceptions.

For years, I have been writing 'for deposit only' followed by our joint account number and have never had a problem. No signature needed. I've done this in the credit union, the savings and loan, and state and national banks. I don't get cash back when I do this, but after the waiting period, which used to be 5 business days but now is almost immediate because of computers, Never more than 2 days, it is available for use.

I do almost all of the banking and checkwriting, large and small.

artk2002

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3250 on: November 07, 2012, 06:57:02 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

Yup, she totally has the option to deposit the check, but the person the check is made out to still has to endorse it. No exceptions.

Not in my experience. I endorse checks made out to my sons and deposit them in their account (I'm a trustee) all the time.
Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bow lines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.

Shoo

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3251 on: November 07, 2012, 07:08:38 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

I agree with this.  Obviously, the bank employees were wrong.  But it makes sense that if your name isn't ON the check, you should not endorse it.  If the OP's husband had signed it, then the OP could have deposited it into their joint checking account with no problem.  I wonder if the employees she spoke to assumed he had signed the check, since it was made out to him.  They probably didn't imagine the OP would sign it instead of him.

stargazer

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3252 on: November 07, 2012, 07:15:49 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

Yup, she totally has the option to deposit the check, but the person the check is made out to still has to endorse it. No exceptions.

For years, I have been writing 'for deposit only' followed by our joint account number and have never had a problem. No signature needed.

Yeah, I even did this for a friend of mine.  She was sick but really needed a check deposited.  She wrote "for deposit only" on the back and I took it in for her and didn't have any issue. 

Wittyone

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3253 on: November 07, 2012, 07:20:46 PM »
Patrygoddess: Uhm no, the only way for her to deposit the check would have been for HER HUSBAND to sign it before she deposited the check to the joint account.  You are not allowed to endorse a check not made to you even if it's going into an account owned by both you and the payee.   The only problem I see is the bank didn't verified that the check was endorsed by the appropiate party before accepting the deposit.

Yup, she totally has the option to deposit the check, but the person the check is made out to still has to endorse it. No exceptions.

For years, I have been writing 'for deposit only' followed by our joint account number and have never had a problem. No signature needed.

Yeah, I even did this for a friend of mine.  She was sick but really needed a check deposited.  She wrote "for deposit only" on the back and I took it in for her and didn't have any issue.

I do this all the time for my husband, except I don't write the account number.  I usually deposit through the ATM.  I've also done it for a friend who drives long-haul trucks.  He'd have his checks sent to my house and I'd go deposit them into his account so he could have access to that money while on the road.
California

Hillia

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Re: "I'm never shopping THERE again!" Share your story!
« Reply #3254 on: November 07, 2012, 07:59:30 PM »
Final update on DS's car purchase: he finally got his tradein back tonight, with the gas tank drained dry.  I've figured out how the dealership runs this legal scam:
1.  Potential buyer with no (or bad) credit comes in hoping to purchase.  Bonus points if the buyer is young and/or inexperienced
2. Salesman puts together fantasy deal for the Coolest Car In the World at an incredible interest rate
3. Salesman sends Buyer on his way to show off the Coolest Car
4. Buyer spends a few days falling in love with the car, showing it off to friends, etc.  Salesman calls a few times, hinting the fantasy deal is not going through but assuring Buyer he will 'make it happen'
5. Salesman finally contacts buyer and tells him the deal won't go through; come back in so they can talk
6. New deal is realistic but miles away from the original as far as interest rate and monthly payment
6. Dealership has 'lost' the tradein; it's already been sent to auction; there's no option for Buyer except to take the new deal

DS did not fall for this, fortunately, because I realized what the game was and was coaching him.  He worked through the salesman, the customer service manager, the shift manager, and the general manager, all of whom lied their butts off and refused to anything until he said hte word 'attorney', at which point his tradein vehicle magically appeared and he got away.

It's scumbags like this who give car salesmen a bad name.  I'm sure a great many of them are honest and ethical, but the ones who do this crap just destroy it for everyone.