" without having to dig out the check to look at the Memo line.If the above 'imperfect' checks are treated differently by ATMs/check processors, and tellers (it must vary).Please register to participate in our discussions with 2 million other members - it's free and quick!Some forums can only be seen by registered members.Claims Against the Creditor for Cashing a Check Early The FDCPA does not cover creditors because they are not usually considered to be debt collectors.However, creditors are governed by the Federal Trade Commission Act (FTCA), which prohibits them from engaging in unfair or deceptive acts or practices.After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.Case in point: Before going on an overseas trip, I paid my rent with a post-dated check, because I wasn't sure if there would be funds in my account to cover it before the first of the month.
However, unlike with the FDCPA, you cannot sue the creditor for violations of the FTCA. Case in point: Before going on an overseas trip, I paid my rent with a post-dated check, because I wasn't sure if there would be funds in my account to cover it before the first of the month.If the bank releases the funds even after youve instructed it not to, the bank may then be liable to you for damages that are caused by honoring the post-dated check.That may include reimbursing you for not-sufficient funds fees and penalties you incurred for subsequent checks that bounced as a result of the premature deposit.I write dozens of checks each year to my church; dating the checks helps me remember which check was when, and therefore helps me recall "for what?" without having to dig out the check to look at the Memo just seems to be a psychological reassurance to someone who has to get paid .Federal lawdoes not provide a minimum time period within which you notify the bank.You should do it as soon as possible to allow the bank time to process the instructions.Post date a check means that you write a check on a day and mention the date of a future day in the check.i.e., let's say I give you a check today 22 January 2011 and write the check date as 15 February 2011. This means that you cannot cash the check until 15th February 2011 and until then the check is of no value.you have zero recourse with anyone else as i posted above .from nolo Claims Against the Debt Collector for Cashing a Check Early You are more likely to have a claim against a debt collector that cashes your post-dated check early.