2012/09/17 13:41:28
sharke
2012/09/17 13:46:06
Guitarhacker
slartabartfast



Most banks show "account balance" - What you think you have, and "Available Balance" - Funds you've paid in that have actually cleared. 



Many banks will show the "available balance" long before they actually have the money in hand. They will still not hesitate to debit your balance and charge you a fee if the check bounces weeks later. 


Correct!  Since you are a customer, they make the "fake check" amount available to you immediately and it may take 2 to 3 weeks or perhaps longer until the check is returned NSF or No Account Exists...... then your bank hits YOU for the money and fees.... and it it overdraws the account...add that fee to the bounced check fee. 


I spoke to my bank's tellers and manager about this one day....and despite the hype about electronic banking and instant transfers..... it takes weeks for checks to get through the system. 
2012/09/17 14:17:59
SteveStrummerUK
Col, why not just plonk it on eBay.

Make sure you say it's for local collection only, and specify either PayPal up front, or cash on collection.
 
I know they cream off a bit in fees and commission, but they're pretty good in protecting the innocent party if a transaction goes tits up.
 
Simples.
 
 
 
2012/09/17 14:43:52
FastBikerBoy
Colin, I'm with Steve Ebay fees are a pain but if it all goes Pete Tong they are really good at sorting it out, as I've found out twice.

Anyone can set up a paypal account (who are also good at sorting out problems) and if the buyer isn't prepared to do that I'd ask myself why and then tell 'em to do one.

Cheques aren't worth the paper they're written on. Do people still use them?
2012/09/17 14:45:44
FastBikerBoy
Bristol_Jonesey


No Karyn, it's this one


I'll buy it, take it down send me your bank account details, PIN number and any passwords you've got and I promise I'll transfer the dough for you.
2012/09/17 14:56:42
Jonbouy
You lose the item the money you send and the amount of the check.

 
Herb you make this sound like a bad thing.
 
I've only just convinced Bapu that it's the way of the future.
2012/09/18 04:50:23
Bristol_Jonesey
Yeah I already have a Paypal account, so maybe Ebay's a better place to plonk it.

I've also got another 2 guitar amps that are doing nothing but gather dust.

I can't add any more hardware to an already cramped room without offloading some of this stuff first.
2012/09/18 06:46:35
Karyn
Guitarhacker


slartabartfast



Most banks show "account balance" - What you think you have, and "Available Balance" - Funds you've paid in that have actually cleared. 



Many banks will show the "available balance" long before they actually have the money in hand. They will still not hesitate to debit your balance and charge you a fee if the check bounces weeks later. 


Correct!  Since you are a customer, they make the "fake check" amount available to you immediately and it may take 2 to 3 weeks or perhaps longer until the check is returned NSF or No Account Exists...... then your bank hits YOU for the money and fees.... and it it overdraws the account...add that fee to the bounced check fee. 
This must be why US banks are in such a mess*, a UK bank will not let you draw a penny against a cheque untill it has properly cleared.  For most cheques drawn on another UK bank that will take 3 days.  For a building society cheque you're looking at ten days. For foriegn banks it can be 2 weeks or more, but it's improving.  But untill the bank is happy the cheque is good YOU GET NOTHING.  Your account will show you've paid it in but you can't draw against it.
 
 
* Yes, UK banks are in a mess as well but for different reasons.

2012/09/18 07:11:13
chuckebaby
bj,those were and still are good amps...the peavey TNT's.
if you can find one that is in good condition.
i used one here in the studio up until about a year or so ago.
once the speaker caught a cold(a rattle some where)it was all down hill.
but the mid sweep and EQ options are quite well on those models.
not to mention the old "pop up volume boost".
2012/09/18 07:59:54
Bristol_Jonesey
It works well enough Charlie - it does have a bit of cosmetic damage for sure, probably due to be being gigged heavily over the years (not by me!)
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