trader1949
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posted on June 3, 2002 09:48:00 AM
I put In all my listings that I do not except personal checks but still some buyers send the personal check. I've had several returned for insufficent funds. I recently had one returned after the product was sent and positive feed back sent to the for the buyer. I emailed the buyer but have yet to hear back. Will SafeHarbor help in getting the payment. What other options are there.
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ahc3
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posted on June 3, 2002 09:59:42 AM
Question: Why don't you hold the checks until they clear? I never leave feedback first anymore. Just had someone leave me a neutral, and it was an issue that could have been cleared up very EASILY if they had only contacted me. I gave them a neg. Could not have done that if I left positive first.
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peiklk
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posted on June 3, 2002 09:59:48 AM
If you say NO personal checks, then you should send the check back to them. Otherwise, change your TOS, since you really do accept personal checks.
If you don't want to go through the hassle of returning them, then wait for them to clear BEFORE shipping the item.
I put in my TOS that I do this, though I don't always (I think I have it worded as "may hold until cleared" to give myself the option). Some Money Orders can be "stopped" as well, so be careful in that regard.
If you have any reservations, err on the side of protecting your business.
EDIT: Another option would be to hold the check, make them send a money order or other payment and then return the check to them (VOIDED) with their shipment.
[ edited by peiklk on Jun 3, 2002 10:04 AM ]
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max40
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posted on June 3, 2002 10:01:51 AM
I Don't know anything about Safe harbor, but WHAT ARE YOU DOING SENDING OUT MERCHANDISE BEFORE THE CHECK CLEARS? Especially after having other checks bounce. So far I've been lucky --- no bounced checks, but I never would take the chance of shipping till they clear, no matter how good the buyers story is.
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caffeitalia
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posted on June 3, 2002 10:25:15 AM
Another retalitory neg left by ahc3. Specially since the neutral was warranted.
[ edited by caffeitalia on Jun 3, 2002 02:52 PM ]
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toolhound
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posted on June 3, 2002 10:27:21 AM
I have had 2 checks returned at around 30 days so if you hold checks 7 or 10 days like most sellers you are not protecting yourself. Both of these checks showed cleared in my account in 7 days or less and then returned later and charged to my account.
These 2 checks cost me close to $600.00 that I have never been able to collect. I quit taking checks over a year ago and when they are sent to me I email and tell them I will return the check in the package with there item when I recieve the proper form of payment.
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ahc3
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posted on June 3, 2002 10:27:43 AM
I don't leave for warranted neutrals (and I have gotten them) but I do leave if the buyer can't even contact me to let me know about a problem. From my perspective, the transaction is not complete until I know the buyer has the item(s) and are satisfied with them. Seems reasonable that if there is a problem, you contact the seller before leaving negatively worded feedback - That is what ebay says to do anyway.
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mrspock
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posted on June 3, 2002 01:22:29 PM
we jaust had a check returned to us with a stop payment 30 days after we depositied it...
spock here......
Live long and Prosper
[
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BananaSpider
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posted on June 3, 2002 10:56:13 PM
http://www.madagency.com
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mrfoxy76
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posted on June 4, 2002 04:58:57 AM
AHC3 sounds like you are one of these BABIES please please don't neg or neutral me and if you do I will get you back............
you get a neutral and you NEG the person back....
it mush have really hurt you that neutral? does it still hurt now?
[ edited by mrfoxy76 on Jun 4, 2002 08:05 AM ]
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trader1949
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posted on June 4, 2002 07:52:42 AM
mrfoxy76 your reply to AHC3 reply to my question was uncalled for and very imature!!
In part what he's said is true. Its very annoying when some one give you a Neutral or a Negative without good reason and especially with out contacting you to see if the problem can be worked out, which often it can. I've had negatives left because something got broken in transit even though it was well packaged or an item got lost in the shipping process, or because some one didn't thoughly read a listing and were unhappy with a part of the transaction. None of these reasons are the buyers fault and shouldn't be penalized because of it, If the buyer had first contacted the seller as in my case I would have taken care of the problem. In fact I still did even after being treated improperly.
Please mrfoxy76 restrict your comments to statements that are constuctive and usefull.
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mrfoxy76
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posted on June 4, 2002 08:09:14 AM
in retrospect perhaps it was however this is a PRIME example of how feedback has become almost USELESS.
Same situation recently happened to someone I know and its stupid. He left a neutral because the seller took a long time to ship (3 weeks) they immediately NEG'd him back calling him an a$$hole. The seller only leaves negs he dont bother with anything else.
Perhaps AHC3 sitaution wasnt the same but nutral = neg
so does a positive = neutral??? using same formula looks like it does.
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trader1949
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posted on June 4, 2002 08:23:06 AM
mrfoxy76 Personally I think EBAY should set up the feed back in away that they have for the process of recieving credit from EBAY. They make You first wait seven days to first send an alert to the buyer who hasn't paid in order to give them another chance to follow through. Then if they haven't made payment within the seven days following the alert then you can follow up with a fee credit to your account. Why not require a buy to send an alert to a seller that there is a problem to allow the seller to satisfy the buyer before they are allowed to send negative remarks about a seller. Then after a seven day wait period if things are not worked out then leave the feed back. I think a lot of negative feed back would be alimated. It gives people time to calm down and to really think about it.
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Libra63
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posted on June 4, 2002 09:04:02 AM
I don't hold personal checks and I say so in my WBN. I feel if a person bids and wins my auction they had better have the money to pay immediately. I don't do lay-a-way.
My WBN says I accept Personal Checks, which I do not hold. That statement means what it says. Have you money in the bank. I have been really lucky 1 check returned in 3 years and the buyer wrote and told me before it happened. I really prefer PayPal but anyway to make money is fine with me.
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Libra63
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posted on June 4, 2002 09:04:02 AM
I don't hold personal checks and I say so in my WBN. I feel if a person bids and wins my auction they had better have the money to pay immediately. I don't do lay-a-way.
My WBN says I accept Personal Checks, which I do not hold. That statement means what it says. Have you money in the bank. I have been really lucky 1 check returned in 3 years and the buyer wrote and told me before it happened. I really prefer PayPal but anyway to make money is fine with me.
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JeffLH12
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posted on June 4, 2002 12:22:15 PM
I don't accept personal checks either...This is put in every auction item description after I list the payment options..."I do not accept personal checks as payment...If you send me a check as payment it will be destroyed and I will email you for payment under the terms in my auction as you read them"...Have not received any checks since, but to my amazement I still get emails after the auction asking if they can send one...Shouldn't surprise anyone huh?
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sanmar
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posted on June 4, 2002 01:26:36 PM
I quit taking any checks 2 years ago after having 2 in a week with stop payment. My TOS states "Sorry I do not take personal checks" Have had a few that email me that they are sending a check. I email back & repeat "No Checks" That is the end of problem. Have never had a MO stopped yet.
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fabulousfinds
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posted on June 4, 2002 01:43:40 PM
I don't accept personal checks either, and my auction terms state this clearly. Still, I get people who send me checks - I send them right back.
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ahc3
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posted on June 4, 2002 01:53:05 PM
I hope more sellers reject personal checks. It probably means more business for the ones that do. I know I won't bid on an auction that doesn't accept them, I like using them to pay. I don't see what the problem is, because if someone wants to defraud you, they will with any method of payment. If you are unconfortable with bounced checks, why not just hold them? I am willing to accomodate buyers with their method of payment, as long as it is reasonable.
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sn0bbish
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posted on June 4, 2002 03:00:27 PM
i always wonder how many bids i lose because i dont accept money orders or personal checks. i dont accept them because i just dont have the time to get to the bank everytime i get one. of course then there is the ever lurking possibility of the bounced check or the stopped check.
>>I have had 2 checks returned at around 30 days so if you hold checks 7 or 10 days like most sellers you are not protecting yourself. Both of these checks showed cleared in my account in 7 days or less and then returned later and charged to my account.<< how is that possible to be returned after 30 days? is their bank that slow? im a lil ditzy on how the whole check processing works. i just figured that once it clears and the money is in your account thats that, its clreared with their bank as well.
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ahc3
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posted on June 4, 2002 03:37:31 PM
sn0bbish,
You probably do lost bids. Who stands in line at a bank? I use the ATM almost exclusively. Seems to me there are options in addition to ATM, including mailing checks/money orders to your bank for deposit.
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bidsbids
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posted on June 4, 2002 04:35:02 PM
There are so many of the same item at the same general price on eBay that the TOS often comes into play in deciding which item to buy. I always take the seller that offers PayPal over the others unless their feedback rating is bad.
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peiklk
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posted on June 5, 2002 08:55:37 AM
I will take a check if necessary but have had surprisingly few. Mostly PayPal, followed by Money Orders.
I've got on en route from a 0 feedback newbie. I've already told him his check will be held until cleared. And if it's drawn on a national bank, I will most likely go cash it outright.
But if the check is a high enough number and they have decent feedback, I'll waive holding it.
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lindajean
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posted on June 5, 2002 09:10:00 AM
I have been very lucky with personal checks. I don't sell high end items so that may come in play here. The most I have ever received for anything I had up for sale was $112 with most going for under $20 including shipping.
I have had 2 checks bounce and both of those notified me before the bank did and sent money orders immediately to cover them and to cover the bank charges.
I don't hold items until check clears -- too much trouble -- I want things out of my house asap. I had a couple that made me nervous such as those that have moved and just crossed out the address on the check heading and wrote in new ones, and a couple of counter type checks, but all cleared with no problems.
I too will not buy from anyone who takes money orders only. I prefer paypal but will buy if the person will accept a check but I am NOT going to go purchase a money order to make a payment. I just click out and keep looking. Some sellers have lost large bids from me over their money order only policy.
I know they have that right, but it does stop a lot of us from placing bids.
BTW I sell in everything from vinyl records to 8 tracks and movie memorabilia and craft supplies so I do deal with all types including the punk and rock fans. Still no problems with bounced checks.
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peiklk
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posted on June 5, 2002 09:32:23 AM
I'm not sure if anyone meant this, but some of your comments read this way.
If you plan to pay with PayPal, do you still not deal with buyers who don't take checks? I only clickout of an auction if they don't take the form of payment I intend to use.
Some of you sounded like you'd not deal with someone who doesn't take checks -- EVEN IF you weren't planning to use a check.
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neatstuffusa
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posted on June 5, 2002 10:52:08 AM
I pretty much pass on any auction that says "MO Only" and if they say "Postal MO Only" that really turns me away.
In my auctions, I accept every concievable form of payment I can find. I've only had one personal check bounce in several years and the buyer made good even before the bank returned the check.
Did have a little confusion on some Japanese Postal MO's a while back (see my other thread) but, in the end, it wasn't that big of a deal.
I try to make it as easy as I can for the buyer to pay me and I VERY seldom have a deadbeat bidder.
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lindajean
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posted on June 5, 2002 11:35:36 AM
I prefer paypal so look for sellers who accept it. But, will send check. The only ones I click out of immediately -- even if I really wanted the item -- are the ones that say money order only!
These days it is a very rare item that is only offered by one person anyway.
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ahc3
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posted on June 5, 2002 03:09:55 PM
caffeitalia - FYI I have been on ebay for 5+ years, have a feedback rating of over 2000, and have left a total of 3 negs. One was as a buyer, and one got cleaned up with squaretrade. So what is this "another retalitory neg left" stuff?
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