fluffythewondercat
|
posted on April 22, 2004 03:58:33 PM
...just paid for 8 auctions with a U.S. dollar money order drawn on a Canadian bank.
Just for giggles, I took it to a bank where I don't have an account. I told them I would open an account if they would accept this money order.
They said, "Sure. There's a $30 fee for processing items drawn on Canadian banks." Yes, even U.S. dollar instruments.
So please don't bother telling me all about how your bank cashes these worthless scraps of paper. I have now visited two commercial banks and a credit union, and none will accept it without charging hefty fees.
New policy: Canadian bidder winning auction == automatic neg plus Unwelcome Bidder report to SafeHarbor. It won't stop them, but it'll make me feel slightly better.
--
|
Twelvepole
|
posted on April 22, 2004 04:07:36 PM
WOW, $30?
Candians seem to think they are part of the US.
AIN'T LIFE GRAND... 
It's too bad that their blindness can't see they are killing more soldiers than President Bush ever has... Protest Loud and Proud! Your fellow taliban and insurgents are rejoicing at the support...
|
tomwiii
|
posted on April 22, 2004 04:13:02 PM
I don't know of ANY USA bank that DOESN'T charge a nasty fee to deposit any foreign money order NOT drawn on a USA bank...
I get lots of foreign MOs drawn on a USA bank & my bank (SOUTH TRUST) never charges anything 
ERGO: if it tain't DRAWN ON A USA BANK, it be WORTHLESS TO ME 
700
|
agitprop
|
posted on April 22, 2004 04:17:20 PM
Or be proactive and state: Canadian bidders pay US$30 handling fee for all payments on non-US banks...
I always specify "customers can pay by certified, cashier or bank check, or money order in US$ issued on a US bank..." plus the other payment types we accept.
We prefer direct payment into our bank accounts as it doesn't incur fees and the balances are real-time and available 24/7
|
dacreson
|
posted on April 22, 2004 04:25:46 PM
...issued on a US bank... A VERY good point that many (Likely myself included) have missed in the past....David
|
fluffythewondercat
|
posted on April 22, 2004 04:33:26 PM
I always specify "customers can pay by certified, cashier or bank check, or money order in US$ issued on a US bank..."
Yes, and that assumes the eh-hole understands what "issued on a US bank" means.
These money orders invariably have the name of some U.S. bank on them somewhere. But they are purchased from a Canadian bank. The one I have festering next to my keyboard at present is from Canadian Imperial Bank of Commerce, "to" Chase Manhattan Bank Delaware.
This also assumes (and I'm sorry to bring this up, but it is as true as ever) that said eh-hole bothered to read the terms of the auction. If they had, they would have seen my clause that says "No Canadian bidders, no Slobovian bidders, and most especially no small blue furry bidders from Alpha Centauri".
Or words to that effect.
--
|
ccharned
|
posted on April 22, 2004 04:47:17 PM
why not just specify international postal money order (the pink one)? that's what my canucks send me, and the post office here cashes them.
|
bunnicula
|
posted on April 22, 2004 04:55:20 PM
Bank of America does not charge, as long as the money order is made out in US dollars. In spite of my recent week of hell getting a replacement ATM card, I give them that.
******
Censorship, like charity, should begin at home; but unlike charity, it should end there --Clare Booth Luce
|
fluffythewondercat
|
posted on April 22, 2004 05:09:35 PM
Because I don't want to ship to Canada and I don't want to deal with Canada.
This is very clearly stated in all my auctions.
Irrevocable decision. Not subject to discussion.
--
|
Japerton
|
posted on April 22, 2004 05:39:09 PM
Then why post on a message board?
Things that make ya go hmm...
~~~~~~~~~~~**~~~~~~~~~~~
All the monkeys aren't in the zoo,
Every day you meet quite a few,
So you see it's all up to you.
You can be better than you are,
You could be swingin' on a star
|
amber
|
posted on April 22, 2004 05:42:39 PM
Isn't it strange that it doesn't work the other way? Living in Canada now, I get about 6 U.S. checks a weeks, and never a problem with any bank, or charge to take them. Why does it just work one way?? When we lived in the U.S. and our kids had birthday money from relatives in England, the cost of exchanging it in U.S. banks was so high, it wasn't worth it, but no problem here in Canada.
|
bunnicula
|
posted on April 22, 2004 05:47:16 PM
Because in certain matters the US is very provincial. Banking is one of them.
******
Censorship, like charity, should begin at home; but unlike charity, it should end there --Clare Booth Luce
|
clancey99
|
posted on April 22, 2004 06:01:57 PM
The only international buyers I have had problems with are Canadian- and they do not consider themselves "international" so they do bid even though I satate I do not ship internationally-
|
stopwhining
|
posted on April 22, 2004 06:06:14 PM
i have one international money order from scotiabank of canada to deutsche bank trust company delaware in wilmington delaware.
i would think your bank or my bank would clear with the usa bank,else why TO a us bank??
i will find out tomorrow.
-sig file -------we eat to live,not live to eat.
Benjamin Franklin
|
stopwhining
|
posted on April 22, 2004 06:08:52 PM
have you tried showing it to the intl banking dept of a large bank say wells fargo or bank of america?/
most clerks dont know #*!@ about international banking,if you shove the check at them and they see the heading CANADIAN BANK,they dont look further.
-sig file -------we eat to live,not live to eat.
Benjamin Franklin
|
Twelvepole
|
posted on April 22, 2004 06:13:32 PM
stop you're missing the point, they would accept it but at a fee of $30
AIN'T LIFE GRAND...
It's too bad that their blindness can't see they are killing more soldiers than President Bush ever has... Protest Loud and Proud! Your fellow taliban and insurgents are rejoicing at the support...
|
fluffythewondercat
|
posted on April 22, 2004 06:20:53 PM
Then why post on a message board?
Because my decision whether or not to sell to Canadians is not the current topic of discussion.
The current topic is the perpetual inability of a significant segment of the Canadian population to read and comprehend.
Oh wait. Are you Canadian?
--
|
stopwhining
|
posted on April 22, 2004 06:29:03 PM
twelvepole.
my point is this may not be a foreign check which requires 30 dollars to clear,
it could be a check drawn on chase bank and should be cleared with chase.
foreign banks are not stupid.
say fluffy bank presents this money order to chase and chase will pay on behalf of canadian bank .there must be an agreement between canadian bank and chase,they can settle the money between themselves.else why print chase bank on the money order.
likewise,if i go to chase and said i want a canadian money order,chase could make one with TO a canadian bank.
anyone knows how to read the magnetic ink numbers on the bottom??
-sig file -------we eat to live,not live to eat.
Benjamin Franklin
[ edited by stopwhining on Apr 22, 2004 06:34 PM ]
|
Japerton
|
posted on April 22, 2004 06:36:39 PM
A sense of humor can occasionally be a good thing.
Oh well.
My horse is half Canadien, I go to the Vancouver Film Festival, and I know a lot of cool Canadians.
Like I said,
~~~~~~~~~~~**~~~~~~~~~~~
All the monkeys aren't in the zoo,
Every day you meet quite a few,
So you see it's all up to you.
You can be better than you are,
You could be swingin' on a star
|
NearTheSea
|
posted on April 22, 2004 06:57:36 PM
I just like the eh-hole part of this.
I have Canadian Bacon in the refrigerator, but I think its rotten by now.
I don't sell to Canada, for many reasons.
I still am laughing at the eh-hole word
__________________________________
"Somewhere, something incredible is waiting to be known."- Carl Sagan
|
tfs13
|
posted on April 22, 2004 07:28:51 PM
I've never had a problem cashing. My bank doesn't deposit the money until the money order clears though.
Though I just got a money order from Canada that I wasn't expecting. Buyer paid with my standard flat rate US ONLY shipping. 
Seth
|
sanmar
|
posted on April 22, 2004 07:45:49 PM
I wpon't sell out of USA for that reason. Even on aMoney Order, my bank will charge $10.00. I have friends who sell on the international scene with no problems. I have had nothing but problems with anything but good old PayPal.
|
trai
|
posted on April 22, 2004 08:02:14 PM
I sell to anyone but I deal with sane banks that know what international money orders are. No fee because if they wanted to screw me over I be changing banks fast.
Its up to each seller how they want to run their sales but I still think that there is no reason to charge $30.00 for this. Plain ripoff.
If its got a U.S. bank name and addy on the M.O. they should treat them as u.s. money orders. I have no problem with this kind of payment at all.
Hard to think we can put a man on the moon and the banks are still thinking 200 years backwards.
The future has taken root in the present.
|
agitprop
|
posted on April 22, 2004 08:12:31 PM
For those that do ship outside the USA, you can use this link to the Federal Reserve Wire Database to see if a foreign money order or check is payable on a US Bank.
Most are provided they have a US partner bank i.e. Chase Manhattan Bank Delaware, printed on them. You need to input the Routing Number along the bottom of the check or MO...
For those that don't ship to foreign destinations, pop the check or MO back in the envelope and stamp it "business not needed / return to sender" 
[ edited by agitprop on Apr 23, 2004 09:40 PM ]
|
ccharned
|
posted on April 22, 2004 08:28:21 PM
i like agit's response. yes, just send the offending money back.
personally, i do tons of business with international buyers. lots of them are canadian, and never a problem. but then, maybe it's 'cause i don't have an attitude problem? have never seen so much provincial thinking in my life. no wonder many people in other countries don't like our 'tudes! i'm american, but fortunately my partner is a canuck. i'm happy to say we'll be returning there - and you know what? i even sell to americans when i live in canada.
a nearby bank in a town of about 3,000 people has also accepted canadian payments - money orders and checks drawn on banks in canada but, as some others have said, there is a u.s. partner. this is clearly printed on the check. i _circle_ the u.s. bank notation and have never been charged a dime in fees to cash one of those checks or money orders.
|
ccharned
|
posted on April 22, 2004 08:29:46 PM
p.s. - and no, canadians don't think they're americans. they don't _want_ to be americans! roflmao
|
fluffythewondercat
|
posted on April 22, 2004 09:15:37 PM
i like agit's response. yes, just send the offending money back
Sweetie, I do send the "money" (a non-negotiable instrument is not money) back. Logically, the offending bidder would then remit an acceptable form of payment.
However, they never do.
Thus I am out eBay fees. This does not make me smile kindly on Canadian malice or cluelessness.
The "attitude" you impertinently refer to is born of experience.
--
|
dadofstickboy
|
posted on April 22, 2004 09:21:47 PM
Sold 6 items this week to Canada.
They paid with PayPal, No Problems, No excessive charges.
|
fenix03
|
posted on April 22, 2004 09:32:56 PM
Fluff - Not sure how you feel about them or how much you want to expand you internaional sales but Bunni is correct. BofA does not charge additional fees for clearing foreign checks. Not even if they are in a foreign currency. I do not accept personal checks but have recieved a number of bank draft /certified checks from other countries in foreign currencies and have never recieved extra charges.
(Of course there is that one clerk that hates me for having to do the exchange rate comptations but I try to group them into a single deposit every couple weeks and go to the friendly teller.)
~~~ • ~~~ • ~~~ • ~~~ • ~~~
If it's really "common" sense, why do so few people actually have it?
|
ehansen
|
posted on April 22, 2004 09:36:30 PM
"Canadian malice..." ?
|
