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Oerdin
19-05-2005, 05:07:31
I'm thinking about evicting the renters I have in my place because they've only been there for two months and they've already bounced one of their payment checks. To top it off I've had to chase him down to find him and when I explained to him his check bounced I also told him I wanted a cashier's check for this month's rent since he is now two weeks late. Yesterday he said he'd come over with the cashier's check but at 8:30pm he still hadn't come over and he wasn't picking up the phone when I called.

I got tired of waiting for my money and I drove over to find him and when I knocked at the door he was home and had some story about leaving the cashier's check "at the office". :rolleyes: I finally accepted a regular check but I asked to see his online balance first to make sure it is good. So far it looks good but I will be standing out in front of the bank branch tomorrow morning at opening time to cash it. I'm not ussually this anal but it is now the 18th and the rent was originally due on the 1st.

I did charge him a $100 late fee and he lost the $100 early payment discount as per the terms of the lease agreement. That means I'm charging him an extra 10% total for being late which is steep but that was the terms he agreed to and I want to make sure this doesn't happen again. Why is it so hard to find good renters who pay on time? :bash:

Oerdin
19-05-2005, 05:18:12
I forgot to mention that the bastards said they'd switch the power and the water into their name but they didn't do it. I still got one month's bill from each to my house so I called the utility companies and had them disconnect service. The renters then had to reregister in their name and pay the connect fee.

The reason I was upset is because they lied to me and said they'd switched the name on the utilities before they even moved in but here it was a month later and I was still getting bills in my name for their utilities. Sure, it was only like $50 but the terms of the lease were they paid for their own utilities. Grrr, I guess I'm foaming at the mouth now and will stop.

notyoueither
19-05-2005, 07:48:39
Filthy capitalist. We pooh on you.

sexylady
19-05-2005, 09:07:23
:( ohhh, how disgusting! :mad:
if i were you, i will tell them to find another room by giving them an allowance to find an allocations ;)

Rodgers
19-05-2005, 11:22:52
You should have them pay the rent by standing order not cheque

Funko
19-05-2005, 11:23:24
I've always had to do that.

Dyl Ulenspiegel
19-05-2005, 11:26:11
Do the yanks have standing orders?

zmama
19-05-2005, 11:27:49
Not customary here

Funko
19-05-2005, 11:28:23
*tries to imagine life without standing orders*

zmama
19-05-2005, 11:31:08
A small bit of bills can be paid like that...my phone bill is. But for some reason the banks don't make it as easy as they should.
Some places charge EXTRA to pay that way...stoooopid

Rodgers
19-05-2005, 11:32:39
must be a pain in the arse then

Funko
19-05-2005, 11:36:34
Most things here we get a discount for standing order, less paperwork etc.

zmama
19-05-2005, 11:39:52
You would think!

The only thing I can come up with is that the banking industry makes money processing checks? I don't know if that is FACT

Funko
19-05-2005, 11:40:48
How can they make money on that, do you have to pay for cheques to be processed?

:confused:

Rodgers
19-05-2005, 11:42:33
Must be a general charge on your account for issuing a cheque book or something?

Funko
19-05-2005, 11:43:17
I don't get charged for anything on my current account.

Rodgers
19-05-2005, 11:44:55
Unless the banks here pay each other a nominal fee for transferring funds to each other as a result of a cheque payment. That way the money doesnt come out of out pockets (directly) but the system still pays for itself?

zmama
19-05-2005, 11:46:08
that is how I think it is done

Drekkus
19-05-2005, 11:46:32
Standing order? Aren't you allowed to sit then?

mr.G
19-05-2005, 11:47:36
lie down drekkus

Funko
19-05-2005, 11:47:43
Oh - I do get charged interest if I go overdrawn.

I think banks here see the current account market as a loss leader - get people with the bank and they'll get services with you that they do make money on, that might not be the same there.

Funko
19-05-2005, 11:49:22
Originally posted by Rodgers
Unless the banks here pay each other a nominal fee for transferring funds to each other as a result of a cheque payment. That way the money doesnt come out of out pockets (directly) but the system still pays for itself?

Could be.

I think I use about 1 cheque every few months these days. Especially now I have internet banking and can just transfer money to anyone I owe cash to via the interweb. Pretty much all the bills are automatic.

Kitsuki
19-05-2005, 13:54:50
Originally posted by Oerdin
Why is it so hard to find good renters who pay on time? :bash:

Ask for references and chase up their previous landlords....?

Works for my parents....

The Norks
19-05-2005, 18:42:35
christ, I can barely cope with renting a single room to a clumsy Frenchie, let alone a whole house. I feel your pain Oerdin.

Oerdin
19-05-2005, 20:15:44
Originally posted by Kitsuki
Ask for references and chase up their previous landlords....?

Works for my parents....

I did that before they moved in and I also did a credit check. The good news is their check was cashed without a problem and I have deposited the funds into my account. Now me mortgage payment can be made without any bounced checks. :b:

MRT144
19-05-2005, 20:24:08
hey oerdin, if you found me a job in SD Id be the best renter.

The Norks
19-05-2005, 20:24:52
you pay your mortgage by cheque?? How do people live without direct debit? and why??

Oerdin
19-05-2005, 20:29:00
I'm not sure what a standing order is but I imagine it is like a cashier's check. A regular check might be good or it might not depending upon how much money he has in his account when you try to cash it. A cahier's check is like a money order in that it is always good no matter where you try to cash it. Usually banks charge extra for a cashier's check but I was originally asking for one since the fucker had already bounced one check on me.

Oerdin
19-05-2005, 20:30:48
Originally posted by The Norks
you pay your mortgage by cheque?? How do people live without direct debit? and why??

I pay by check though the bank does offer e-bill pay. The banks wants $5 per month to do e-bill pay while a stamp costs $0.38. I can mail a lot of checks for $5.

Spartak
19-05-2005, 20:33:40
A standing order or direct debit costs nothing.

The Norks
19-05-2005, 21:03:22
Originally posted by Oerdin
I pay by check though the bank does offer e-bill pay. The banks wants $5 per month to do e-bill pay while a stamp costs $0.38. I can mail a lot of checks for $5.

No...........................I don't understand America/ns

MOBIUS
19-05-2005, 21:10:10
Fuck, just when I think it can't be any worse being in America or being an American ;) something like this happens...

Standing Order - automatic bank payment, usually monthly from your account to another account. It can be any amount and is a totally free service - I really don't know what I'd do without them!

zmama
19-05-2005, 22:58:34
Nope it isn't free here. Either the bank charges you or the company you pay charges for the "convience" ...Not all. Like I said the phone company its free to pay that way. Probably because they are large customers

The Norks
19-05-2005, 23:00:53
thats madness. I would have thought its in their best interests as the money comes out automatically and they dont have to pay people to chase delinquent debts

Cruddy
20-05-2005, 00:33:55
Originally posted by Oerdin
I forgot to mention that the bastards said they'd switch the power and the water into their name but they didn't do it. I still got one month's bill from each to my house so I called the utility companies and had them disconnect service. The renters then had to reregister in their name and pay the connect fee.

The reason I was upset is because they lied to me and said they'd switched the name on the utilities before they even moved in but here it was a month later and I was still getting bills in my name for their utilities. Sure, it was only like $50 but the terms of the lease were they paid for their own utilities. Grrr, I guess I'm foaming at the mouth now and will stop.

Next time just don't reconnect them. Always let the tenant handle that crap.

Most people will give you this sort of crap if you give them a chance. So don't give them a chance.

Landlords are supposed to be :shoot:

Dyl Ulenspiegel
20-05-2005, 09:27:55
Originally posted by zmama
Nope it isn't free here. Either the bank charges you or the company you pay charges for the "convience" ...Not all. Like I said the phone company its free to pay that way. Probably because they are large customers

Most companies charge extra if you do not pay directly - ie, you allow them to withdraw the bill or regularly send a sum you fix.

Typical America - 1st and 3rd world in one bank building.

Funko
20-05-2005, 09:31:21
Maybe they have a deal with the postal service to keep them alive!

Dyl Ulenspiegel
20-05-2005, 09:33:42
Reverse corporate welfare? Well, as long as consumers pay for it, maybe...

Oerdin
20-05-2005, 18:52:05
Yeah, we do have loads of corporate welfare here. Republicans are all about putting businesses on welfare and leaving the poor to starve.