What is the name of your state (only U.S. law)? Florida
Hey srry not sure if this is the right section for this post but I'm going on instinct here...Anyways I loaned a friend whom I used to work with some money toward the end of last year in cash ($220). Just before new years this took place, I was not aware of what he needed the money for at the time. Ok so to pay me back a week later (from new years), he wrote/sent me a check for $220 and left the memo and name fields both blank and told me I could take it to any bank or pretty much cash it however/with whoever I wanted. I live with my girlfriend and so I authorized her to cash it to one of her accounts with Bank of America. The check bounced and several negative fees (plus the 220) have accrued on her account. Now almost 4 months later after pleading for my money he had begun igorning all contact saying he could/would not pay what he owed. So we spoke with the claims dept. at BOA and they basically said we have two choices: Take it to court, or have them(BOA) send us a legel copy of the check he wrote and run it again. After several failed attempts with BOA to get us the right 'stamping' on the copies they had been sending us, we finally recieved one which read, "Copy in lieu of Original", to which we brought to his bank SunTrust and they allowd us to cash. I made several attempts to collect the funds from him and even explained that irregardless of the negative fees we incured, that we would settle for the 220. No reply except for "its not going to happen". So now that he has since discovered his account is missing 220usd. He has proclaimed that this act is considered check fraud and was going to the police to have them charge my girlfriend with theft. I wondering if I really have anything to worry about since the check was still good, and this was BOA who sent is a legal copy to be rerun and was found 'good'? Can he legally press charges on either of us I guess is what I'm asking?
Hey srry not sure if this is the right section for this post but I'm going on instinct here...Anyways I loaned a friend whom I used to work with some money toward the end of last year in cash ($220). Just before new years this took place, I was not aware of what he needed the money for at the time. Ok so to pay me back a week later (from new years), he wrote/sent me a check for $220 and left the memo and name fields both blank and told me I could take it to any bank or pretty much cash it however/with whoever I wanted. I live with my girlfriend and so I authorized her to cash it to one of her accounts with Bank of America. The check bounced and several negative fees (plus the 220) have accrued on her account. Now almost 4 months later after pleading for my money he had begun igorning all contact saying he could/would not pay what he owed. So we spoke with the claims dept. at BOA and they basically said we have two choices: Take it to court, or have them(BOA) send us a legel copy of the check he wrote and run it again. After several failed attempts with BOA to get us the right 'stamping' on the copies they had been sending us, we finally recieved one which read, "Copy in lieu of Original", to which we brought to his bank SunTrust and they allowd us to cash. I made several attempts to collect the funds from him and even explained that irregardless of the negative fees we incured, that we would settle for the 220. No reply except for "its not going to happen". So now that he has since discovered his account is missing 220usd. He has proclaimed that this act is considered check fraud and was going to the police to have them charge my girlfriend with theft. I wondering if I really have anything to worry about since the check was still good, and this was BOA who sent is a legal copy to be rerun and was found 'good'? Can he legally press charges on either of us I guess is what I'm asking?
