Bad Check? Fraud by Deception?

They chose to write a check. Heck Id have been perfectly willing to take cash.

You should be able to take the dishonored instrument to a notary at the bank where it is dishonored and have the notary make up a protest for presentation to the check writer. The notary acts as an administrative court judge in the process and receives a response from the check writer (or not). In the event no response is received you receive a judgment. My understanding is that damages (interest) starts as soon as the protest is written.

The notary at the bank should be familiar with the procedure. They should be able to handle the details.

OK, you got a bank draft, not a check. The person that gave it to you should have told you that you have to wait 3 business days to cash it. The pipeline guy we have made sure we understood that when we got our bank draft. They are giving millions of dollars worth of bank drafts out, so it takes more time to get the money moved around.

Thursday when I called them from the bank the pipeline company said it would be good by friday night.
Can you tell from looking at it if its a check or bank draft?

Ditto.
Every check I deposit is subject to the check clearing. I can take the money out at that time... however, if the check bounces, I'm on the hook with the bank for the money I withdrew (if there isn't enough in the account to cover the bounced check).

If you got a five figure or better check, were you going to keep the cash at home? If not, why bother with a few days for the check to clear? I've gotten 5 figure checks from oil companies, pipeliners, etc. Was this a Draft? or a regular old check? Pretty much SOP when dealing with large sums of money... unless you specifically requested alternative means of payment. If this is a pipeline company's check, I can pretty much guarantee you will be paid... or you will own a section of pipeline! These people deal with millions of dollars, stiffing people isn't good business. You might have to wait a week.

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Luck is what happens when preparation meets opportunity. Seneca
Learning is not compulsory... neither is survival. W. Edwards Deming

This is a function called Postive Pay. Most large companies use it in light of check fraud. What is does is allows the bank to compare the check number and amount with a file from the company's AP system. If it matches, they pay it. If it doesn't, they either call the company for an override or they return it. It is not NSF nor is it check fraud. It is very similar to how a draft is handled vs. a check. I wouldn't waste the AG's time on it.

To tell the difference between a draft and check, you need to look at the bank information. If is says "payable thru" it is a draft. If not, it is a check.

If you got the check last week, then is was probably a draft. That is what we got on Friday when the pipeline person was here. We were told that Tues it would go through, assuming the pipeline guy was able to get back to the office by 5pm that day. If your pipeline guy didn't get his paperwork in by the deadline that day then there could have been a delay. They are trying to do this for most of the pipeline, so they are probably pretty backed up and there might be a delay. Their federal permit was just granted so they just go the OK to proceed.

I needed about $75,000 of the check for a cash deal on Saterday, I was told thursday it would by good by Friday I think Iv mentioned to them before that I would take the check direcrtly to the bank.

Oh my goodness. For a pipe running across your property you get that kind of money???? Is that for a whole year or less?

Sure wish I had some pipe across my property!

LOL thats FOREVER.

Today I am once agin being told funds should be available tomorrow. Humm the same as the 5 day float my bank wanted.....suppose they are in cahoots?

A 75K cash deal?

Only deals that large and in cash, that I know of, would be for drugs or other contraband. Please tell me you've got a crate of russian rpgs.... for home defense...

If I made a deal for something that large, I would never pay cash, or even have that much cash on me, for fear of being robbed. If they couldn't take a check, or it's equivalent, the deal wouldn't get done.

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Luck is what happens when preparation meets opportunity. Seneca
Learning is not compulsory... neither is survival. W. Edwards Deming

LOL totally leagal and non leathal just a old fashioned guy.

................There are some police depts that regularly stop folks looking for large sums of money in their possession ; subsequent too the stop they "Steal" the persons funds and impound such claiming it "Must" be drug money . FEW will challenge this theft and the PD simply keeps the funds and can use it for ski trips , vacations , etc . Some of these PD's are in southeast texas if I remember correctly . , fordy

Louisana used to do a lot of that.