What if we can't be there for the closing on a property we're purchasing?

We had a vacation planned a year ago. We'll be out of the country on the date of our closing. We tried to get a 1 week extension but seller won't budge. What papers can we sign before we leave and can I designate my father as Power of Attorney to finish the transaction until we return?|||You would give your attorney " Power of Attorney" You can also have a close family member such as a mother or father to do this for you to. Just make sure you outline everything and have them fax these to you to review if at all possible because this can also be done. Being out of town is a pain in the butt for some attorneys if your not there, but just think if you were out of state how they would handle it. You can be accommodated for this. I have done this for a couple of my real estate transactions.|||Yes...you can give him limited power of attorney solely for the transaction.|||This is actually a really big deal, and you will have to contact an attorney about this to make sure you get the right information.|||You'll miss a very important party! Oh well, it's understandable. Just provide your father with a limited power of attorney and it should be just fine.|||I would call your lender asap. Getting a power of attorney or someone to sign doesn't mean squat if the LENDER WILL NOT AGREE TO IT. Sorry to be blunt, but it is this simple. Not all lenders will agree to a purchase being signed with power of attorney, especially in these days of tightening underwriting. Call the lender first thing monday morning and see if they will approve it, if not, I hate to say it but it is decision time for you, good luck|||This is not likely to fly. Turn your POA over to an attorney, they tend to make everyone more relaxed.

What is federal withholding?

In my saving account there is a transaction called "Federal Withholding" occurring every month. It occurs on the same date with the transaction called "Interest Earned", which is shown every month too. So what is Federal Withholding? Is it tax? Can I get back those money or is it mandatory?|||That is federal income tax withholding, the same thing that happens with your paycheck. Most bank account holders are not subject to withholding. Talk to your bank's customer service, because something is not set-up correctly with your account.|||This is federal income tax withheld from your interest income, just like federal income tax is withheld from your paycheck. When you file your federal income tax return, this withholding is reported, again just like the withholding from your paycheck. If you have more in total withholdings than you owe in taxes, you will get a refund.





In most circumstances you can have this federal withholding stopped by giving the bank your social security number. Give your bank a call and ask what you need to do to have the federal withholding stopped.

Which NBA team do you think is least likely to win a championship this decade, and why?

A lot of you people probably think the Cavaliers right now. I completely disagree with that, since they traded LeBron for four future draft picks, which many people do not know.





http://espn.go.com/nba/transactions/_/da鈥?/a>|||Timberwolves or Raptors.





You could also arguably add Boston in there, because the chances of them winning are now slim, and after their Big 3 retires they'll have to completely rebuild again.|||The Heat soon as the lakers smash on the heat this year at the finals then the Heat there going to slack it and not make it to the finals and then after 2 or 3 years of still not getting a ring lebron James is going to leave and then chris bosh is going to get mad and go to another team too. (Lakers future back2back2bck Champions again)|||Warriors





They continue to rebuild then at some point they will tear it up and start over again...and again...and again. 10 years from now they will still be rebuilding. The Clippers also have the same reputation but their present roster is the best in years.





Edit: I would have added New Jersey but with the new owner's deep pockets and experience in constructing a winning team, they will do well at some point.|||Raptors and the Cavs


because they lost there star players and they have to start from the beginning and rebuild there teams.|||Warriors, Raptors, Cavileers, t-wolves, bobcats, Jazz, Knicks, Suns, etc.





Because they are not good enough.|||I agree the Cavs don't have the worst odds i believe the Timberwolves do|||it has to be either charlotte or new jersey. for the past decade they failed to strengthen their line up and they didnt do any better this time.|||Indiana Pacers|||Heat





they haven't prove anything yet.|||Mavs. They never win anything. =(|||Bobcats, It just isn't gonna happen.. they spent all that money...for 8th place in the Eastern conference..and they probably won't make the playoffs for the next 4 years or so....|||The Raptors, without Bosh they don't have a go to guy.|||Pacers


.|||i would say the la clippers. they just cant get it done. even when they do have all star talent they still suck.lol..|||heat

Can I renew/upgrade my credit card while waiting for a refund on the old card?

I returned something to Walmart yesterday on an old Chase credit card (and it hasnt processed into my account yet), but I have this new Chase Saaphire card I got in the mail that I need to activate. Its the exact same credit card #, just a newer exp date. If I activate this card before I get the refund, will that mess up the open transaction?|||It sounds like your old card will expire soon, probably at the end of this month. Since the card #s are the same, you can activate your new card and start using it. Be sure to destroy your old card. The credit from Walmart will be applied to your account.





Hope this helps. Good luck.

Buying a house and the seller will not sign FHA addendum! What can be done?

I have a VERY difficult real estate transaction I am working on.This is a foreclosed home I might add. Contracts say that I can choose any financing I want. I chose FHA financing. The seller/bank decided they will not accept FHA loans. They are refusing to sign my FHA addendum now!! Can they do that? What if they hold things up and we can鈥檛 get everything done by the closing date? Can they just back out?|||They can refuse. "Any" refers to conventional loans, FHA is not conventional and should have been mentioned on your initial offer.





You cna not force them to sign this, you are going to have to go with a normal loan or walk.





BTW, they are not backing out. Unless you have a contract stating they will accept FHA you are teh one altering the deal, not them.|||Are you STILL contending with this contract?





I thought you had an attorney. Can't he advise you???





You already have a purchase contract. The FHA Addendum is a contract modification, or in layman's language, a different contract with different terms.





My guess is that sellers don't want that term that allows YOU to back out if the property does not appraise for a certain value. (I believe its paragraph 4 in the addendum.)





**The seller is not backing out.** The seller is simply refusing to change the contract which you already have with seller. It's like you having a contract to buy a car from dealership that has a one year warranty. Then, on date of delivery, you walk in with an "addendum" that states the car shall have a five year warranty. Do you believe the dealership is "backing out" if they refuse to sign your addendum?





You still have the opportunity to perform your end of the existing contract, which is to pay the purchase price by closing date.|||Most likely the reason that the bank won't sell the property to you using a FHA loan is because the property will not meet FHA minumum requirement and the bank is not willing to spend the extra money to bring the property up to meet the FHA loan standard.





So, yes they can back out.





Otherwords, you will not be able to purchase that property if you insist purchasing it with a FHA loan. Often banks have to sell a distressed foreclosure property for "cash only" because the property will not meet any lenders miniumum condition requirements.|||If I understand this correctly.


The bank owns the property.


The bank has the property listed for sale.


You made an offer, the bank accepted.


The bank is now refusing to follow through with the sale because they do not like the source of your money.





Unless FHA somehow reduces the amount of money the bank will receive, they can not back out.





You should see an attorney right away and sue for compliance of the written agreement.|||Just because you want FHA financing doesn't mean the bank does. Yes, they can refuse.

When mailing in a rebate (blu-ray) how can they verify that a receipt has not been altered?

My brother bought a PS3 from Sears on 2/1/08 and the rebate for the 5 free movies clearly states purchases must be made by 1/31/08. He thinks he can just change the date on the scanned receipt and it will work. I told him there has to be a way to verify the information on the receipt with the retailer but he doesn't listen to me. If he does this, can the rebate company look up the transaction details through Sears?|||They probably can, but probably wouldn't take the trouble to do so for every rebate request they get. But there are two problems with his attempted larceny :-D -- first, is he an expert Photoshopper, or is his attempt going to be glaringly obvious? Second, most rebate offers I've seen ask for the original receipt.





I would go back to Sears and see if they would extend the rebate offer for him, if he didn't know the end date of the rebate, if a salesman told him he could get it, if the rebate offer was still being advertised in the store on Feb. 1, etc., etc.|||you have to send in the ORGINAL receipt, they do not accept copies as the rebate form should say


the rebate form should cleary state send ORIGINAL RECEIPT and UPS faximiles or copies will NOT be accept


if he tried to alter the date he is commiting fraud

Notary public for notarizing affidavit of unzuthorized use of credit card?

There was a fraudulent transaction on my credit card a few days ago. I called the bank and closed my account and today I received an "affidavit" for me to fill in to report the unauthorized use. At the end of the form, there is a place for a "notary public" to sign and date. Anybody happens to know more about this? Could a family doctor or a dentist serve as a notary? Thank you.|||No, you need someone who is a notary public to do it and they have a stamp they use too. Just look in the phone book yellow pages. It'll probably cost you around $10.|||NO!!! a notary has to be certified. The bank should be able to do this.|||A bank usually always has a notary on staff because they deal with a lot of legal paperwork. Also, a car insurance office. I don't really know about doctors or dentists but I wouldn't believe so since they aren't drafting legal contracts.|||Actually, if you reported it to your local law enforcement officials, THEY would be able to "notarize" it for you because we can notarize documents while on official Police Business. But to answer your question, anybody who is a notary public can sign off on it when you sign the document in their presence. To make things easier, either report it to your local law enforcment agency as noted above, or USUALLY your bank will do it for free if you have accounts in good standing. Hope this helps!|||A doctor or dentist cannot do it.


Go to a notary public. Thsese are available at banks, or currency exchanges. They normally charge a dollar for verifying your signature. Maybe two dollars. But they are licensed by the state to do exactly that.


Look in a phone book if you don't know where to find one.|||Your neighborhood bank can help you also, normally there are notaries there.Try a postal service place like Mails Plus, Postal Annex etc... Anywhere you see a notary sign can help also. Costs about$10. Have your driver's license or ID ready and they may take your thumb print. Lawyers can help too- their notary has no expiration..|||No. Only a person who is a notary public...every bank has one.


Just stop in %26amp; ask for a notary public and they will point you in the right direction.|||I am a notary public. We are commissioned by the Secretary of State. You can usually find a notary public at a Postal Annex, UPS store, etc., or look in the phone book. It should cost you US $10 or so, unless they have to drive to you.|||A notary can be found at your bank or at an attorney's office. A doctor nor dentist is a notary. A notary only can notarize a legal document because there is a seal that must be on the document notarized.





Take your affidavit to your bank or most any bank and have it notarized. May cost you a couple dollars but get it back to your bank as soon as possible.

Is it possible for me to withdraw money from my sisters bank of America account without her debit card?

My sister said wanted to buy something from here and she lives far so she said I could withdraw money from her account, she gave me all her information including the account number, card number, expiration date, and security code (just in case)





Do I need more? Is this transaction even possible? Im 17 do I need to be older?





Thank You :)|||Sorry...you need the card.|||You can't withdraw actual money from her account without the physical card.





You can make a purchase on line with the information she gave you -- but she could do that by herself, no matter where she lives.





What she can do, if she wants you to do her shopping for her, is to withdraw the money from her BOA account, go to a Walmart with the cash, and send the cash to you in the form of a Money Gram. You would pick up the cash at your local Walmart.|||Unless it's an online purchase, I'm guessing you'll need the card. It's probably possible to do the transaction without the physical card, but most businesses for security reasons won't do it. When I worked in retail, if a card wouldn't swipe thru the machine, you were able to over ride it and type in the info, so I think it's possible, but I doubt whether they'd do it for you, unless you know the clerk or store owner well.|||She can send you a check or money order.


Unless your name is on the account,you cannot legally draw money from her account.

FASFA..How do I check how much financial aid I will receive?

Okay I applied for financial aid a week ago, and I just logged in on the web. And after I signed in I was guided to the "student access-- Tansactions" page. And there's a processed date and transaction source, and transaction number.... But where I go to find out how much I will receive?|||The school(s) you applied to has that information. They will either send you a letter through the mail. Or they will contact you by e-mail with a website and login information to access your financial aid information. If you're not sure, you can always contact the financial aid office.|||For scholarship or financial aid questions, I just tell my friends to check out http://www.FinancialAidQuick.com and take a look around.Its good starting point with a few good sources of info.|||they shoukd have given you a efc # that tells you

Can I use form 34 to add an additional person on a purchase and sales?

My buyers did not qualify for a loan to purchase the house we gave an offer for. 5 days shy to the closing date, the bank declines the loan. Can we add a third person onto the ps using an addendum. If that works we will add the same person on their mortgage..... Please help. This is my first transaction. Any suggestion would help.





Cheers|||You're supervising broker should be helping you with this.





Yes, you can add a person to the purchase agreement with an addendum if the seller agrees. However, the purchase agreement is detailed for how the deed is made out. Do your buyers intend to share ownership with this 3rd person? If not, you can have people on the mortgage that are not on the deed.





If they will be sharing ownership, the addendum would read something like:





Per the contingencies required for financing, the buyers shall be X a single person and Y a married couple. All other terms and conditions shall remain the same.





Then get the sellers to sign off and your new purchaser to sign as well as sign and disclosures.

How do you build a test case for the following requirement:?

All records shall store the System date and time “DDMMYYYY:HHMM” at the time of writing to the ledger table “LEDGER_TABLE” if the transaction date is less than the System date and the transaction record meets the format “TXN_DDMMYYYY”|||A test case to check the above requirement could be as follows:





1. Check the format of the transaction record. If it is “TXN_DDMMYYYY”, then perform step 2, else stop.





2. Check if the Transaction Date is less than the System Date. If so, perform step 3, else stop.





3. Check if the record has been written to the LEDGER_TABLE.


EXPECTED RESULT: The record should store the System Date and time in the format “DDMMYYYY:HHMM”.





The Steps and Expected Results would be in separate columns in the test case table.


|||1. Write transactions matching that format, then read the system date and transaction record back and make sure they're correct.





2. Set the transaction date after the system date, and make sure the write fails.





3. Try to store an invalid transaction date, and make sure the write fails.





4. Try a weird system date far in the future, and make sure the write succeeds.





There are other ideas you could try.

Isn't it fraudulent to be charge online payment twice for the same transaction in 2 consecutive dates?

I paid for my passport and for a friend's travel visa with my visa debit card online. The next thing I knew is that I've been charged twice for a single transaction twice.





My passport cost $65 and visa cost $144. I made a saperate payment on the 6th april for $65 and $143 and these payments (65 and 144) was taking from my account on the 8th and on the next day 9th another payment of (65 and 144) was taken.





The worst part of this matter is, this payments has taken my account beyond my authorised overdraft limit and now I'm being charged 拢5 per day.





I went to the bank to explain but was told to contact the people I placed an order with, as it must have been an error and i should ask for ask for a refund and I've got nothing to do with Halifax.





What I believe is that an error won't process your money a day after the original payment, it will process it similar time to the first payment. And I didn't use my card with this people other than the one single time I paid for a passport and a visa





Now what I want to know is, where do I stand if I want to claim with my bank that my card as been fraudulently charged multiple times for a transaction?





Who's going to be responsible for the overdraft charges as I've used this because of the illegal transaction. Should Halifax be responsible?





Please make suggestion. Thanks for reading and I look forward to your help|||Calm down. Fraud? Hardly. Bureaucratic incompetence? Far more likely. Have you talked to them? What YOU believe is irrelevant.

Can you help me Journalize (journal Entry) the transactions below? using the: Date Description Debit Credit?

10/01 She opened a business checking account (bank) with a deposit of $25,000 from her personal account.


10/02 She purchased computer supplies for $1,500, paying for all of it by check from the business checking account.


10/03 She provided services to ABC Inc. and received payment of $795 for services rendered.


10/05 She paid rent for the company鈥檚 office space for the month ($900).


10/10 She paid office salaries ($2,100).


10/11 She billed customers for services provided on account ($17,000).


10/15 She purchased computer supplies for $3,000, paying $750 in cash and the rest on account.


10/16 She paid automobile expenses of $250 and miscellaneous expenses of $100.


10/20 She paid creditors on the account ($500).


10/25 She received a cash payment of $5,000 from customers previously billed (on account).


10/31 She determined that the cost of supplies available on hand at the end of the month is $2,500; therefore, the cost of supplies used was $2,000.


10/31 Mary Ann Powers withdrew cash for personal use ($1,000).





Using the type form: ( Place each under appropriate column )


Date Description Debit Credit|||I'll help you with the debits and credits. You'll need to add in the description





10/01 She opened a business checking account (bank) with a deposit of $25,000 from her personal account.





Debit Cash $25,000


Credit Owners Equity $25,000





10/02 She purchased computer supplies for $1,500, paying for all of it by check from the business checking account.





Debit Computer Supplies Inventory $1,500


Credit Cash $1,500





10/03 She provided services to ABC Inc. and received payment of $795 for services rendered.





Debit Cash $795


Credit Services Revenue $795





10/05 She paid rent for the company鈥檚 office space for the month ($900).





Debit Rent Expense $900


Credit Cash $900





10/10 She paid office salaries ($2,100).





Debit Salary Expense $2,100


Credit Cash $2,100





10/11 She billed customers for services provided on account ($17,000).





Debit Accounts Receivable $17,000


Credit Service Revenue $17,000





10/15 She purchased computer supplies for $3,000, paying $750 in cash and the rest on account.





Debit Computer Supplies Inventory $3,000


Credit Cash $750


Credit Accounts Payable $2,250





10/16 She paid automobile expenses of $250 and miscellaneous expenses of $100.





Debit Auto Expense $250


Debit Miscellaneous Expense $100


Credit Cash $350





10/20 She paid creditors on the account ($500).





Debit Accounts Payable $500


Credit Cash $500





10/25 She received a cash payment of $5,000 from customers previously billed (on account).





Debit Cash $5,000


Credit Accounts Receivable $5,000





10/31 She determined that the cost of supplies available on hand at the end of the month is $2,500; therefore, the cost of supplies used was $2,000.





Debit Computer Supplies Expense $2,000


Credit Computer Supplies Inventory $2,000





10/31 Mary Ann Powers withdrew cash for personal use ($1,000).





Debit Owners Equity $1,000


Credit Cash $1,000

Has anyone ever applied for the Imagine Card? What is your experience?

I guess what I am trying to ask is if they do what their terms say, do they really guarantee you the $350.00 available limit, of course, it would be $200.00 after the fees, and then do they charge much of other fees? I have thought about applying for it but am nervouse to do it because first, I have real bad credit, I do not know how much a foreclosure affected my credit, two, I would like to make sure that they do not charge way too much in transaction fees because I plan to use small amounts per month to pay it off before the next due date. I want to demonstrate to myself that I can be more resposible now. I also am wondering if I should go ahead and apply because I do not know how much of your "bad Credit" they take in consideration? Any advice/suggestions appreciated.|||Just about anyone can get a card like that. I have really crappy credit too, and I was approved for those cards. After you pay the fees, if you stop paying, they aren't losing much. I went with the total visa, and if you don't think that you can pay 350 a month, then total visa starts with 250. I have learned though, if you are trying to BUILD your credit, then you don't want to charge more than 50% of your limit. Good luck. (Make sure you go with a card that reports to all the credit bureaus monthly! That's what builds your credit.)

What is the purchase price of fifteen columbia corporation bonds with a coupon rate of 7 3/4 and a current?

market price of 98? the commission charge is $8 per bond. the date of the transaction is march 1, and the bond pays interest on november 1 and may 1|||Price per bond = 98% of face of Bond, assume $1,000 + $8 fee + accrued interest from Nov 1 to March 1. Semi annual interest = $1,000 @ .0775 per year, or .03875, = 38.75. Accrue 4 mos, or 2/3, = $25.83. Total price per Bond = $980 + $8 + $25.83, or $1,013.83 x 15 bonds = $15,207.45

How can I stop a payment from online to my debit card?

I have chase.


I bought an SAT test and the first 2 times i clicked submit, I put the wrong expiration date. the third time i put it correctly.


Its been a week and the 3rd transaction is completed but the first two are still "pending". How can i get rid of it an get my money back. obviously i paid triple for that one test. What should i do? Its going to take away $100 from my account.|||Pending means it's a hold. These are not actual charges and will drop off in a week.

For how long a period ,a broker/sub-broker is required to preserve transactions records of his clients ?

For how long a period ,a registere broker/sub-broker of a stock exchange is statutorily required to preserve transactions


records i.e. date- wise buy/sale records and contract notes of his clients ?|||as long as the client is with him and then three years after the client leaves the broker

How do theives use a found credit card number to steal from you?

I work for a credit card processor wher I am selling new credit card machines. Here is my question, some of the older machines these merchants use print out the whole credit card number, expiration date and the customers name. I understand and wouldn't want my info on a receipt, but I am having trouble understanding how someone could take my credit card number and actually spend on it? If they go on the internet to buy something, their IP will get snatched and they would need the 3 digit code on the back of the card to finish a transaction. If they go into a store, they have to convince the cashier to handkey the card number and they have to risk being seen on camera. So how is this such a big problem? What can a theif actually do with the number?|||that depends on how they got the number. if someone gets the number from the physical card then they will go online and simply use a public computer such as the library to make the purchase. if the card is in your hand it will take all of 1 second to read the 3 digit code on the back and remeber it. some people are great with numbers and could memorize your whole care number in seconds. if they run your card through a card reader then they can simply duplicate it on blanks later. this is the prefered method these days since everywhere you go there is a self service terminal for you to swipe the card at so the thief will not even have to show the card to the cashier. as for cameras. most people who drive 45 to 50 minutes from home ot commit a fraud will never be caught even if thier face is on a camera since no one there will recognize the person. it is why so many people are doing this, because it is not as easy as you think to catch a professional thief.|||Someone can use a public computer or someone elses computer to go online. there are actually some sites that do not require the security code to complete a transaction. others know people who work in certain stores and they just run the card for them. plus there are some places that dont even ask for identification. just drive to a friendly town with extra friendly people and wala. it's very sad.

What makes some more sensitive to Betrayal than others?

Like when someone's other half cheats on them....they might break up and not date again for years over the betrayal and loss...or during a business transaction when the other party lies, they loose their mind, call the deal off, and not by whatever they intended from anyone due to the betrayal they feel....as opposed to...the other extreme might just take it in stride, smile and say "Good One"...and then other's are a bit of each...what makes one so sensitive?|||trust!! trust is earned not given. and when it's broken, despite by who or when or how, it hurts and its even harder the next time to trust again!! its not being "so sensitive". its about OTHER people NOT being sensitive enough or care enough and take the other person for granted.

Anybody in Northern California have a drivers license appointment before November 30?

I tried to book my driver license appointment late, and now none are available before my permit expires-November 30. I will pay for anyones appointment before this date, and there are many at later times available. I could create an Ebay listing for this transaction.








Thanks,


Maxine|||You have two options -- Book an appointment at a different DMV -- OR -- Go in person before November 30th. You are posting on the wrong forum. Use Craigslist in Bay Area or wherever you live.

How to record a payment to a creditor?

Where my business owed money to a creditor - when I pay off that creditor to I enter that transaction in the Gen. Journal or Cash payments journal?





This is regarding a purchase made on credit, which is paid at a later date - just wondering where I record the payment of the debt?|||That would initially be entered in the Cash payments journal and then be posted to the General Journal.

What do the following things mean on your credit?

Regular Inquiries - My fiance has a bank that is checking his credit every year and it says "Permissible Purpose: Credit Transaction".





Promotional Inquiries - How do you make these stop? We don't want our credit looked at for ANY REASON while we are cleaning!





Account Review Inquiries - This one says it doesn't affect your credit score, are they telling the truth?





Also what does it mean that an account will "drop off your credit on such and such date"? With a $0 balance that seems like a good thing but what about the ones that still have a balance?|||Regular Inquiry: This is a hard pull and generally means that you applied for some form of credit from the company that pulled it. If he did not apply then he needs to contact the bank and see who is requesting them.





Promotional Inquiry: This is the source of those "Pre-approved" credit card offers you get in the mail. There are 2 methods to opt out. 1) You can call 1-888-5OPT OUT and choose the option to opt out. This is good for 5 years. If you want to opt out permanently you have to do it in writing.





Account Review inquiries. This is generally you pulling your own credit report or one of your established creditors reviewing your information. It is correct that these do not affect your scores.





The "Drop Off" date is only a concern on negative entries which should be removed after 7 years (10 for bankruptcy). You should not see one on an entry for either a positive or an open/current account.|||you may limit prescreened offers of credit and insuranceyou based on information in your credit report you may OPT-OUT with the nationwide credit bureaus at 1888 - 5optout 1888-567-8688

How long does a company have to charge your debit card?

I bought books at a Got Used bookstore through a deferral program. I gave them my debit card information and they were supposed to charge me for the books on a date in September. They still haven't charged me for the books and I want to know if they have a time limit to charge me before this transaction would become void or if technically they could just charge me whenever they want.|||Debit cards are just like checks.


You have 90 days to cash a business check.


But with a personal check/debit they have up to 6 months to cash it.


/|||60 days is what my Federal Credit Union bank told me.

Report Abuse

|||With most banks, they treat the debit card transaction like a check. Therefore, there would be a 60-90 day limit on the transaction (depending on your bank's policy- check your checks, it'll say on them).





I'm sure there are banks out there that do it differently, though, so you may want to call them. It has nothing to do with the store and everything to do with your bank.|||For U.S. issued debit card it is up to one year. I read a charge even coming in after one year. However, most bank will not accept charges that come in after 90 day.

Why would a home seller need to have a credit check done?

We are selling our house to a relative without agents on either side. The bank is now requiring a credit check on us (the sellers) to complete the transaction. Their best explanation is that they need to make sure our mortgage is up to date, but they will not accept our mortgage company telling them that. Why would they require us to have a credit check done? What happens if we refuse?|||They need to know if you are on the brink of bankruptcy for one thing. The second thing is this is not an "arms length sale" since it is within the family. Banks and the IRS are very careful about these kinds of arrangements. If you truly want to sell then you have to comply with the bank's requirement and also be ready to answer any questions by the IRS in the event they suspect this sale is an effort to avoid taxes.





You should have an appraisal on hand and good documentation of all the facts. If you have capital gains on this sale make sure beforehand that you will qualify for the exemption on the sale of your main home. The IRS could disallow the exemption.|||if you refuse the loan probably does not get approved. That is a very odd request from buyer's lender. but lender's are changing rules daily these days so this could be a trend.





Also fact that buyer is related to you probably raises a red flag to their lender that this is not an arms length transaction.|||Probably passing a check for outstanding liens and judgements.





My guess is that if you refuse, the lender will toss out the loan application as failing to meet underwriting guidelines.

Are you concerned about credit card theft and/or hackers into your financial statements and accounts?

45.7 Million Customers' Card Data Stolen


AP


BOSTON (March 29) - More than two months after first disclosing that hackers accessed customers' financial data from its computers, discount retailer TJX Cos. has revealed that information from at least 45.7 million credit and debit cards was stolen over an 18-month period.





In a regulatory filing that gives the first detailed account of the breach initially disclosed in January, the owner of T.J. Maxx, Marshall's and other stores in North America and the United Kingdom also said another 455,000 customers who returned merchandise without receipts had their personal data stolen, including driver's license numbers.





The data that was stolen covers transactions dating as far back as December 2002, TJX said in the filing Wednesday with the Securities and Exchange Commission.





TJX spokeswoman Sherry Lang did not immediately return a telephone message from The Associated Press seeking comment late Wednesday.





But Lang told The Boston Globe, which first reported the filing Wednesday night, that about 75 percent of the compromised cards either were expired or had data from their magnetic stripes masked, meaning the data was stored as asterisks, rather than numbers.





Lang said the extent of the damage may never be known because of the methods used by the intruder. Much of the transaction data was deleted by TJX in the normal course of business between the time of the thefts and the time they were discovered, the filing said, making it impossible to know how many card numbers were obtained.





"There's a lot we may never know and it's one of the difficulties of this investigation," Lang said. "It's why this has taken this long and why it's been so tedious. It's painstaking."





Avivah Litan, vice president of research and advisory company Gartner Inc., told the Globe the TJX breach is "the biggest card heist ever."





"This was obviously done over a long period of time, in many locations," she said. "It's done considerable damage."|||Yes!|||No I'm not. Thank you.|||I think its a concern we all have. You have to be careful what you do. Even when you are on line at the store with the card in hand..people can see and remember the number..or when you throw out receipts and statements, you must shred or rip up and scatter the trash in different bags....too much agony.


I am in banking and I see and hear about it all the time.|||If you need to protect your personal and financial information or want more help with identity theft check out http://identitytheftnow.com|||Yes Yes Yes, Definitely. We all should be in today's world of computer's. Who know's how the people are who work for major corp's and place's that hold our financial record's and such. I have had my debit info stolen and went threw h*ll trying to get that straightened out. We all should check our report's periodically and keep track or our record's and statement's really closely. As much as companies try to keep up with security is as much a the theives keep up with hacking into a companies security. We are all at risk I would say. Well unless you have bad and crapy credit and it's no use to a thief. Ha Ha

What happens if you are short a stock that gets acquired?

Say you short a stock in company A. Company A is being purchased by Company B a few months from now in a stock-for-stock merger transaction on Oct 1st.





What happens to the short position in company A, if an investor holds on up until the merger date (Oct 1)?|||You'll need to cover. No matter what's the price.|||This would be a bad position to be in. You'd have to cover the short position, and in the event of a merger, the acquired company's stock usually gets run up because the purchaser usually winds up paying a premium for it.|||The broker will call your position and demand you cover.

What is the best way to payoff your credit card to get better credit in a short time?

Is it better to pay just the minimum amout required when you receive the bill brfore the due date , and then pay little by little ( with interest) OR just pay the total amout due when you receive your bill as one transaction ? Thanks|||Pay the bill in full. Each month, make a small purchase like a tank of gas or some groceries, then pay your bill completely when you get it. You'll have good credit in no time.|||A credit score is based on a 12 month activity. It usually goes up between 5 to 10% per month. The balance should always be paid the following month if possible.|||Always pay the full total|||pay it in full

Company has not done any business, still responsible for paying any tax?

If a corporation started November 2006 and has not done any monetary transactions as of date. What taxation liabilities are they responsible for?





Corporation Located in New York City.|||Here is a link to taxes for corporations in NY and a link to the NY Dept of Revenue.





For a C corp there is a fixed dollar minimum tax of $100, and for an S corp the fixed dollar minimum tax is $100.|||There can be flat amounts that are payable annually by a corporation whether or not there has been any business. You really need to talk to an accountant.|||In many states there is a minimum tax that ALL corporations must pay, typically between $300 and $1,000, even if there is no income at all.|||There likely will not be any tax to pay, however, you still have to file the various state and federal forms. Just report as zero income|||You won't owe any tax but you may still need to file. This is one for your accountant.





If you don't file, they may estimate your taxes for you and send you a bill. Not a nice thing.

How to enter a spinoff in Quicken?

One security in my portfolio spunoff another company in July 2010. By using Quicken's spinoff action, it caused the creation of many new transactions for the initial purchase and the subsequent dividends. Each transaction's share quantity was a fraction of the original as per the spinoff's share ratio.





Shouldn't a spinoff be recorded as a single transaction on the total number of shares on the date of the spinoff?





Quicken's way of doing it seems unecessarily messy and inaccurate because the spinoff company didn't exist on the past dates.|||Generally, a spin-off means that a company is carving off a piece of itself and distributing the stock to it's existing shareholders. The original cost of one company becomes the original cost of 2 companies.





I am guessing from your info you may have had multiple purchases of company A before it spunoff company B.... because your reinvested dividends. With the spin off, a piece of each purchase of company A now gets allocated between A and B.... and that produces all the activity you are seeing.





Without more info, that's the best I can do. But I'm guessing I nailed this one.... cause I've had my coffee.

There is interest payable if you take cash from ATM on a credit card, but is it same for cash back from Tesco?

Lets say I buy items for 拢25 using credit card and take 拢50 as cashback on same card from any store which provide cash back facility, do they consider as a single transaction of 拢75 or two transaction 1. Shopping for 拢25 , 2. Cash withdrawl of 拢50. If they consider a single transaction, its intrest free untill my due date otherwise 拢50 would be considered as cash taken from ATM. I do not know answer yet and thats why its here.|||cashback on credit cards is usually not available at checkouts. i assume that it is because of this very reason which you have highlighted.


otherwise it would be next to impossible for the card issuer to differentiate which rate of interest ( normal or cash advance) they must apply to transactions.|||Wherever you take cash out - from the ATM or as a cashback, the interest is at the higher rate for cash. Interest usually starts on the day of withdrawal for cash transactions.|||The excess will be treated as a cash advance and the cash advance terms and conditions will apply. This should be explained in your cardholder agreement, probably in print that will require a magnifying glass to read and likely couched in legalese terms, but it should be there somewhere.|||I dont think you can get cash back with credit cards, only with debit cards, in which case no charges apply.|||I don't think stores give cashback when you use a credit card only a debit card.|||Cashback is only given when presenting a debit card for payment of goods.





Cashback does not apply to credit cards.


(Credit Cards are cash Advance transactions not cash back transactions. )|||I am surprised by some financial questions on here !!!!!


any cashback you take from a shop gets added to your bill, end of.|||lots of people have put what i consider the right answer - you wont get offered cash back on credit cards for that very reason, debit cards only.|||I worked in a supermarket and generally they do not give cash back on credit cards so i do not think you need worry. Should it be possible, but i don't think it is, you pay interest on any cash advance. It is not just a one off interest either- it is payable for the entire time you owe that money.|||It doesn't cost you anything to get cash back on a debit card and I don't think they offer it if you use a credit card.|||it will be two separate transactions, so you will be charged for the 拢50 cash that you had. they can't charge you a cash handling fee when you've used credit. no matter where or how you use your credit card, if you physically withdraw cash from it by some means you will be charged a cash handling fee xx

Has anyone seen this type of transaction request selling something on the internet?

thanks for the reply. i have seen the price and its ok by me,then i have instructed my client to issue the money order to you.meanwhlie i also instructed him to include $1500 on the payment so you should expect a money order of $3000.





i will also compensate you $120 for your self for the running around





the excess is for my shipper that will be coming for pick up.the funds will be used for the shipping of the { Cabovers %26amp; Camper Shells } along side 7 other Cabovers %26amp; Camper Shells i placed order for in care of my shipper.i'll imploy you to wire the balance via western union money transfer to my shipper as soon as you RECEIVE the payment .My SHIPPER will come for pick up on a specicified date that will be convenient foryou. i hope i can count on you for my balance I ALSO WANT THIS TO


BASE ON TRUST CAN I TRUST YOU?...


P.S i will like you to give me ur contact info..


.Hope this is understandable by


you.


Name in full...


Adresss..


City...


St|||Yep, it is a variation of the Nigerian scam.|||it is a nigerian scam. tell him to f* off. run away run away. bad guys. thieves. do i need to say more. ??|||Consumer Advocate Clark Howard says this is a scam to steal your money, They will ask you to send back some money to them and their check , while the bank might initially accept it, wil not be valid.





DONT do it!|||This is definitely a scam. Do give them ANY personal information.|||this is a scam you deposit the money ie his check in your bank or cash it at your bank by the time everyone realizes the check is fake you have given him your money and the product then your bank gets you for the money

Up to date address for the Royal Arsenal Cooperative Society?

I have some old share transactions (1980, 1981, 1982 and 1983)and need to find out if they are worth anything|||They were merged into the Co-operative Retail Society. You should find what you want to know (I fear it's what you don't want to know) on http://www.co-op.co.uk/|||Thanks - I have written to their head office, but three weeks later, still no reply. I doubt anything will come of it anyway.

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|||136 Powis St. SE18


UK

How is it legal for PHH Mortgage to practice deception?

PHH Mortgage lied to me on my short sale. Troy Watts said they accepted my buyer's contact and that they would extend my notice of sale date. They LIED to me and my transaction coordinator and foreclosed on me.|||It is NOT legal for them to lie. That said, they probably DIDN'T lie. They are just incompetent and/or over worked. The short sale people didn't communicate with the foreclosure people. Contact whoever Tony Watts is and see if he can resolve the issue.

How long does it generally take for Dell to ship out a notebook?

I purchased a Mini 12 from Dell on 3/7/09, and it just went into the boxing stage today.





The money is pending on my credit card, but it is not a completed transaction yet.





By the way, the estimated ship date is 3/20/09


Estimated delivery is 3/27/09





Does anyone have any experience with this?|||I feel ya. I don't know why it takes so long. I recently ordered one and it's not been shipped yet. I got a basic, stock notepad, only real special thing on my mini 9 is I upgraded the memory which I'd assume they should have those computers made already as just about everyone who gets a mini nine upgrades the memory. So I dunno. My estimated delivery date is April 10th! With overnight shipping, I assume i'll get it earlier as it really is very simple to create and hope they gave themselves a bit space gap, just because. So maybe i'll be lucky and have it here tomorrow or saturday but doubt it.





It sucks waiting, I really want my computer, I don't have one and am tired of having to go to a friends house to use his. So... it's the waiting game, they sure were quick to take the money, lol, needless to say if i don't have it by like mid next-week i'll be upset. It's a simple memory upgrade, that's it, no reason it should take three weeks to a month, and overnight shipping, come on, put it in the box, tape it up and send it out.|||i got a Dell once and they shipped the computer within five days but it took the mailing company another 3 days to ship it then i had to wait for the truck to get here and all together it took about two weeks. I was so annoyed. hopefully they will get yours shipped on time and it will be there on the 27th.|||It would depend on if you chose an express service or you chose to send it regular mail. if you ordered it through regular mail then it would take longer. You also have to consider that they may be waiting for that computer to come in. So it should be there by the 27th.|||Well, Dell does custom build to your order. That's why it takes so long.

Are there algorthims (simple) to get a measure of loyalty for a service?

I want to be able to analyse service data (customer, date, size) for each transaction and to get a single measurement to see how loyal our customers are. Customers are grouped into units (departments).|||Because you said "simple":


You may want to create some ratio,


for example, "loyalty per customer",


where you:


(1) put into numerator all values with


positive impact


(2) put into denominator all values


with negative impact


(3) define co-efficients of


IMPORTANCE (i.e. weight) per


each value, and multiply each


value by its respective


co-efficient





Examples of (1):


* how often each customer visited your


site


* how often each customer really bought


something


* how much each customer bought each


time


* how much each customer bought


during some period of time (year,


month)


* ...





Example of (2)


* overdrafts, returns, etc


* ...





Some guys can provide you different pseudo-scientific "the one fits all" solution formulae, but, personally, I would prefer my CUSTOM solution, which I can adjust and re-consider with time, experience and impact on my financial results, in dynamics and total flexibility.


But it does not hurt to check the best practise in your particular type of industry, I just recommend to create your own formula in the way suggest in the beginning, just to not stop your creativity. In real life, sometimes you many times could come up with something better than ready-made solution from even authorized source.





You got an idea.|||This answer is just to bring the question to a vote. Please vote for the above answer.

Pending transaction on paypal?

i sold an iphone on ebay on monday, he send the money over on paypal the next day. Under my recent activity it says 'payment status complete' but under my balance i have no money to access and it still says pending. Also it says the release date for the money pending is July 12. Is that right? thats a couple of weeks from now. I heard your not suppose to ship items until the transaction is complete. thanks in advance!|||If the person sending the payment sent an 'e-check', this can end up holding up the payment until the 'e-check' clears through his bank, just like with a regular check. Technically, you have not received payment until it does clear; all you have gotten is a 'promise' of payment. You can cover yourself by emailing the person and stating that you will ship once payment clears completely. I've done that before with e-checks and had no problems with it. My shipping details on every listing now state clearly that I will not ship until an e-check clears.|||What the tax lady says is correct. Once you receive confirmation of payment on PayPal or Ebay website (be cautious about believing possibly fake e-mails), you are obligated to ship the item within 7 days.





However, if you get positive feedback for the sale or provide proof of delivery, the money may be released to you sooner. But that is unlikely to happen until the buyer receives the item. That is all part of buyer protection.|||I would not send anything until this clears. And make sure you are shipping to the registered Paypal address only, nowhere else, or you have no protection.





Your other question shows they want it shipped to Nigeria, which means it's a scam. Paypal does not allow any accounts from Nigeria so you know this cannot be legit - they probably hacked some real person's paypal account





I would call Ebay and Paypal ASAP before you do anytihng else|||If you can see the money when you sign in--even if you don't have access to it--it's time to mail the phone.





Paypal requires you to ship within 7 days. The 3 week delay is to ensure the buyer has the item before you get the money.

Can you translate the following banking terms to arabic please?

pin number


social security number


password


transaction


drivers license number


birth date





Thank you so much!!! I really cant figure those out and the online dictionaries aren't giving me banking terms :(





I really appreciate it!|||pin number 乇賯賲 丕賱鬲毓乇賷賮 丕賱卮禺氐賷





social security number 乇賯賲 丕賱囟賲丕賳 丕賱丕噩鬲賲丕毓賷





password 丕賱乇賯賲 丕賱爻乇賷





transaction 丕賱賲毓丕賲賱丞





drivers license number 乇賯賲 乇禺氐丞 丕賱賯賷丕丿丞





birth date 鬲丕乇賷禺 丕賱賲賷賱丕丿|||pin number 乇賯賲 丕賱鬲毓乇賷賮 丕賱卮禺氐賷


social security number 乇賯賲 丕賱囟賲丕賳 丕賱丕噩鬲賲丕毓賶


password 賰賱賲丞 丕賱賲乇賵乇


transaction 丕賱賲毓丕賲賱丞 / 丕賱氐賮賯丞


drivers license number 乇賯賲 乇禺氐丞 丕賱賯賷丕丿丞


birth date鬲丕乇賷禺 丕賱賲賷賱丕丿|||pin number 丕賱乇賯賲 丕賱亘賳賷


social security number 丕賱乇賯賲 丕賱爻賵卮丕賱丕賵賷 丕賱爻賰賷賵乇鬲丕賵賷


password 賲乇賵乇 丕賱賰賱賲丞


transaction 丕賱丕賳賴亘丕賱


drivers license number 丕賱爻丕卅賯 賱賵丨丞 乇賯賲


birth date 賵賱丕丿丞 鬲丕乇賷禺|||jhfhjfhj

How would an investor gain a profit on this?

This has to do with futures.





A farmer agrees to sell 10,000 bushels of wheat to a bread maker for $4/share in February, in which they both agree to a specified date in July to enact the transaction.





July arrives and now the price of a bushel is $5. So now the bread maker has to pay the wheat farmer what? Would the bread maker pay $40,000 for the bushels and then resell those bushels at current market value of $50,000, thus gaining a profit of $10k?





According to text, the bread maker pays $50k, why!?|||The bread maker could close out his futures contract, which gained $10,000 in value, then buy bread in the spot market for $50,000. The bread maker gained a profit from the futures contracts. The bread maker agreed to buy at $4 on a certain date, then later agreed to sell at $5 on the same date, so he wouldn't be sending or receiving anything (the exchange matches both futures contracts together so there is no need for delivery and the farmer would make delivery of the 10,000 bushels to someone else who needed it). The exchange matches long position (buy) and short positions (sell) together, so the original two traders in the beginning may not be matched together if one of them closes out their position. Delivery is a pain in the *** so it is easier to just close out your position and buy or sell in the spot market.

How do I find the tracking number for an item I sent?

I sent an item to someone on ebay and they said they never got the item, and they want the tracking number. I have the reciept from when I sent the item, and I see the address of the post office at the top of the reciept and under that I see the zip code for this town followed by 4 other numbers. Underneath the zip code there is another number, and under the other number there is the phone number of the post office and the date and time of the transaction.





At the bottom of the reciept I see an Account #, an Approval #, a Transaction #, and Bill #. Are any of the numbers I have mentioned the tracking number, or can any of them be used to find the tracking number? Please help!!





P.S.: I tried calling the post office, but they said only I would have the tracking number. So I can only assume that the tracking number is one of the numbers I have mentioned, or that one of the numbers i have mentioned can be used to find the tracking number.|||if you sent the item with the regular u.s. postal service and did not get insurance, or delivery confirmation.. then no there is no tracking number.





if you sent it with fed ex, ups, or some other professional shipping company then they should have gave you a tracking number.





sometimes, depends where you are shipping. things can take between 3-10 days to get an item in the regular mail.


with ups, or fed ex... that could take 3-7 days.


this is IF you shipped in the u.s.a.





if you shipped out of the u.s. it could take 5-31 days.





hope this helps you.

Is it safe to give my bank logon information to programs like microsoft money, quicken and mvelopes?

Hi





I know that on programs like ms money, quicken and web-based mvelopes, you can add in your bank logon information and the program will get your up to date transactions. Well as most of these programs are now nearly 100% webbased, is it safe to have my bank logon information with companies like mvelopes, quicken and money? Everyone seems to be doing it but no one seems to worry about a third party having your bank logon information.





thanks|||If you are concerned about security, don't add the personal information. It's better to be safe than sorry! You should still be able to use the software.


P.S. Not only can someone view your personal information while you are logged in, but all this information is then stored on the hard drive on your computer. Once you are ready to buy a new computer, make sure that you delete all the files. This can be done by restoring the drive. The CDs needed for this were given to you when you purchased the computer.

Excel: How do I make a cell show the date of when either of two other cells are filled with information.?

I'm just tring to make my budget book on excell as automated as possible. So on my 'Cash Flow' records sheet I have three forever on-going columns that look like: (Out | In | Date) Out(C) being money spend, In(D) being money obtained, and Date(E) being the date which what ever transaction takes place. I want the 'Date' column to automatically fill in with the current date when either the 'Out or 'In" column is filled with any information.





Right now my formula (in the E column) looks like this:


=IF(AND(C22;D22)=" ";" ";NOW())





This works fine when ever information is entered into C or D, but if the cells are blank, then E show: #VALUE!





And thats where I'm stumped.


Thanks for reading and answering if you can!|||colanth gave you a correct answer to get your formula to work. One problem with your formula is that the Date from your formula will change anytime your sheet calculates values. Even if the values that are calculated are not in columns C and D. So the date for your entries will always be updating each day.





One way around this is to use an event macro (below) instead of your formula.





Right-click on the sheet tab in the lower left


Select View Code


Paste the code below in the VB edit window.





----





Private Sub Worksheet_Change(ByVal Target As Range)


'


If Not Intersect(Target, Range("C:D")) Is Nothing Then


If Target(1).Value %26lt;%26gt; "" Then


Cells(Target(1).Row, "E").Value = Now


Else


Cells(Target(1).Row, "E").Value = vbNullString


End If


End If


End Sub





---|||=IF(AND(ISBLANK(C22),ISBLANK(D22)),"", NOW())|||Forgive the shortness of my answer, but the formula you need is..











=IF((C22%26amp;D22)="","",NOW())

Which of the following describes the ledger?

A. The ledger is known as the book of original entry.


B. The ledger contains the accounts of the business, categorized by account


classification.


C. The ledger will determine the accuracy of information recorded in the journal.


D. The ledger contains a list of business transactions, arranged by date.|||B and D

Credit card fraud how to catch the person?

So I am totally unsure about this, my parents own a small restaurant and we had a credit card machine for around 1 year, my dad never opens the merchant service mails untill last week, the letter said that someone filed a credit card fraud and 2 times as we look at the date of the transaction we found the recipe of the payment and it was both same person signature paid with different cards, and they filed for a refund both time.





My question is if this person comes back, We know who it is and wanted to know what we can do to help stop the person.|||Ask for the person to show a state ID, if the name on the credit card and ID don't match then call the police.|||When she comes back again, ask for her ID and make sure she doesn't suspect that you suspect her of fraud... if she's a regular customer... hopefully she wont... like other person said if ID dont match credit card then call police and have her stay there till police comes.. if she doesn't then you still have her ID and police will catch her and she'll be in bigger shiet because she ran away....

Estimated tax payment is over due for 9 mins.?

I just paid state estimated tax due on April 15th. I thought I would make it in time but it says Transaction Date / Time: 04-14-2010 12:09:31 PM which is going to be 4/15. Do I get penalized?? What should I do to make it up so I don't get penalized?|||You made it in time for the deadline. Your transaction time is actually on Wed, April 14, 2010 at 12:09pm which makes it in the afternoon on Wed. You made it 35 hours and 11 minutes before the real deadline anyway.|||12:09:31 PM is 9 minutes after midday on the 14th. You will be ok. (Even it was the 15th you'd still be ok as long as it wasn't the 16th.)|||Um. First of all, 12:09 pm is nine minutes past noon, not midnight.





Second of all, even if you filed it after midnight the night of the 14th, that would still be "on the 15th", which is when the tax is actually due.





You have nothing to worry about.|||How do you figure that that is 4/15?? It plainly states that it's 4/14! The date rolls over at midnight, not at 9 minutes past noon!

On line share transactions has been done from my internet connection , how to get details of the transaction?

using my net connection ,transaction has been done online , i wanted the details like client id ,client name, date and time of transaction done, suggest the way to get the details|||you can got to my accounts on ICICI DIRECT if it is icici

How/where do i find/obtain property transactions in brisbane, Australia?

i am looking for the transacted price/sale of single bedroom apartmetns in Surfers Pardise, Brisbane, Australia. need details such as the date of transaction, floor area of the apartment, transaction price, location of the property. is there a local authority that compiles these information? or the compliation is done my some company?|||see below|||Try http://www.onthehouse.com.au/ They have sold house prices for all of Qld and NSW - free. Just type in address.

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Does Halifax gives reference number or transaction id for online money transfer?

Hi guys, my friend transferred money from his halifax account to my sbi uk account, it is been more than 2 weeks already, the money has not credited to my sbi uk account, my friend confirmed from halifax that the account number and sort code are absolutely correct, i enquired sbi uk, they are telling they need some confirmation for the money transfer which shows details like account numbers the money is transferred between, date %26amp; time of transfer, transaction id or reference number. when my friend asked the halifax bank they said the money has gone out and they said there won't be any reference number or transaction id. my friends has recieved a confirmation letter from halifax which just shows account details the money is transferred between and date, there is no reference number or transaction id. i'm just wondering how the hell transaction happened without generating a reference number or transaction id. can you guys have any idea what is wrong with halifax or is it something wrong on sbi side and where the money is gone.|||yes, ALL transactions done online will have a transaction number. it should take approx three day to turn up in your account.|||The halifax don't do transaction numbers, but they aren't alone in this as most other banks I know are the same, Alliance %26amp; Leceister as one example. There is more the halifax can do, for instance they can claim back the money so your friend could ask them to do that, or ask your friend has the money been returned back into their account? Also the halifax have a system which shows them if the money cleared in the other persons account, (its called Mainframe) any good customer service agent who has a bit of knowledge could do it or alternatively any of the Managers!

In online shopping, Credit card holder give their Credit Card Number and Date of Expiry.. what's next?

How are they going to get the amount of payment for the particular product? is it secure that all my money in my account will not lost? or some hackers can robbed my money online? kindly explain to me how online transaction work pls? --|||I'll recommend you to use a pre-paid card so you just put a limited amount of money on it, the process payment work like this, first you put your name, address, cc number, exp. date, and verify numbers (3 numbers next to the signature area) before you authorize they will ask you to verify amount to charge, then hit the ok button and your purchase will be processed, try this pre-paid card it's totally safe and your money is secure if merchants try to scam you:





http://negociosenvegas.com/account-now/





Good luck

Is it legal for a bank to rearrange the timing of your transactions?

My daughter is 17 and learning how to maintain a checking account... the hard way. I've noticed that our bank collects transactions received by them daily. The actual occurance of the transactions can range in date from 1-5 days. Instead of posting them in order according to the date they were transacted, the bank posts them in order from largest amount to smallest. What this does for the bank is give them more opportunities to apply overdraft fees, if there are to be any. What this does to the consumer is charge them more overdraft fees than should be. The bank is rearranging the timing of withdrawals and charges to their advantage, subjecting the consumer to much higher fees than one would or should expect. Is this legal?|||I doubt the bank is rearranging withdrawls ... however several things could be happening.


If you are using a debit/check card those transactions can take 1-4 business days before showing up on your account.


Another explination is if the bank is placing deposits on hold. In this case your balance could be deceptive as to what is actually there to be used.





Hope this helps.|||Every bank I ever dealt with always runs them in the order received. They can not run them before they get them. When I did ask my bank officer why they ran the largest first, they said that it is assumed that those are more likely bill payments and they hate to send them back. The real lesson here, though, is simple. DO NOT WRITE A CHECK IF YOU DO NOT HAVE MONEY IN THE BANK.|||I'm sure it is legal - after all, they are posting them AFTER the transactions are made, correct? Technically, the money should be in there before you make the transaction. But if you are saying that she writes a check for $100 on Wednesday the 11th and they are taking it out on Tuesday the 10th, then that is illegal. But as long as they take them out the day of the transaction, it is legal. The money should be there before the check is written, or else they have the right to bounce it.|||This is perfectly legal. Make the deposit, THEN write the check. Nobody who keeps responsible records should ever have to pay an overdraft fee. Let this be a lesson to your daughter. When checks are processed, the bank has no way of knowing when the check was written as this is not encoded on the check.|||Yes, that is listed in UCC-Uniform Commecrial Code. The reason behind it is they try to process the largest sums first because that may be more important payment for the account holder-like mortgage, instead of smaller payments, like groceries or credit card payment. Basically they would try to process your large payments first so if possible they don't bounce. It is for the advantage of the client. Plus your daughter should start learning not to write or take more money out of her account then what she has physically in. That way she will never be on negative and she will never have to pay a penny for overdraft fees.

Can a bank post transactions on a given day in order to maximize their potential for overdraft earnings?

Is this legal? My bank rearranges things after the fact. On Sunday, for instance, they'll have posted transactions in a certain order with Monday's date. On Monday evening, they'll rearrange the transactions in order from largest $$ to smallest amount. This way, if the account goes below zero, they can potentially charge back the customer many overdraft fees, instead of processing the large transaction last, and only charging one overdraft fee.|||The banks are crooks and they only care about making money for the bank and not there to help out the little guy.Senior citizens leave millions of dollars in non interest bearing accounts that the bank makes money off of.|||It's Illegal by federal law. About 10 years ago I was involved in a class action lawsuit against Bank One for exactly that issue. Regardless of what order the checks or charges arrived, they would rearrange them from largest to smallest in order to maximize the chances of overdrafts. They made millions in the process until they lost the suit, and were forced to change their policy.|||I used to work for a bank that would do that, you may be a customer of this bank because this is the only bank that I have known to do this. It is not illegal for them to do so. The reason that this is done is not for maximizing profits on overdraft fees. The system that you speak of was created to eliminate the returning of items as unpaid that are of utmost importance. That is not say that the purchases you have made are not all important, however, before this system cutomers accounts were returning car payments, house payments, large items that obviously take precedent over other items because of the financial and possible legal implications. For example, if someone were to have $1000 in their account and over the weekend you make $600 in transactions, but your house payment does not go through until Monday all the items that show on your virtual statement as pending or waiting to be paid will be altered based on that house payment posting to your account. Saturday and Sundays are not considered business days that is why they only affect your balance and do not show as acutally being paid. All items listed will be paid if they are not a check but when that $800 house payment comes through that leaves $200 because the larger item takes priority. That means that on Monday night when the items are processed $400 of the items purchased over the weekend will receive overdraft fees. What creates the problem is that your balance may still show $1000 even after the weekend transactions and will not change until Tuesday morning and that is when the overdraft fees are placed on the account. The resolution is that at the banking institutions discretion they will place a cap on the number of items that are showing as non sufficient. Generally on a consumer account it is 5 total that may receive a fee where as on a business account it is 6. Still high and expensive, but the end result is that your house payment is paid and not returned on account of your weekend spending. This system was developed speciffically for this reason because customers were having items returned that were more important than the small purchases made. It may seem that they are making more money off of this system, but in the end it ensures that your priority payments are secure so to speak.|||that happened to me one time...but i spoke to them and reverted the charges|||Sure can... I had this issue as well... bank bounced 5 debits all under 10.00 rather then just bouncing a 50.00 debit...jerks... I called the bank and they read my the clause of my 'service agreement' that allows them to do that..... check it out... it's in there...|||the answer for that is no. the posting of your transactions doesnt have something to do with the charges filed to you. you can even trace that. so even if the bank post your transactions on monday or tuesday, it still depends on the time that it was processed. and again, not on the day it was posted.|||Happens all the time!

How much does a transaction fee go for?

so i got a ticket for driving about with the headlights off(low beams were on, to be fair) without me realizing it. Officer gave me a break on the lights but gave me a correctable violation %26amp; wrote down "change home address" on the ticket(mailing address was different than living address, therefore driver's license wasn't up to date)








so much is the fee going to cost me?|||Nothing if you make the correction at the DMV before your court date and show proof to the judge.

What are the duties of a closing lawyer?

If I have a problem meeting my closing date in a real estate transaction, because my mortgage company made a mistake, is that covered by the duties of the closing lawyer or do I have to pay the lawyer additional fees above the closing costs.|||Is what covered? What do you want the lawyer to do about it? Negotiate with the mortgage company? Contact the other party about an extension?





The duties of the closing lawyer are spelled out in the written agreement you have with the lawyer. They are not the same in all cases, in all states. But generally, the closing lawyer simply makes sure all of the documents and funds are assembled and ready to go on closing day, and then attends the closing and makes sure everyone signs everything to complete the deal. It is really just a matter of checking everything off the list. It is up to each party to get the documents/funds to the closing lawyer, not for the closing lawyer to chase them down.

What is the difference between my billing cycle and due date?

so my credit card bill due date was 9/28 (yesterday) and my statement says my next billing cycle starts 10/3. I paid it off on the 26th. So can someone please explain to me, if i use my card say today or tomorrow does that charge go to my october statement or september statement? And if it is still on september statement will i be charged interest on the transaction after the due date? This is my first credit card and I'm trying to take every precaution so I don't fall into a trap and Im just making sure I understand everything THANK!|||Good job making a payment before the due date! Most credit cards do not charge interest if you pay the entire balance showing on the statement by the due date (check the terms of the card to be sure). Typically statements cover about a month's transactions and payment due dates are weeks after the statement end date. If your payment was less than the entire balance, interest will accrue on that balance plus any purchases since then. It sounds like the next statement will cover transactions through 10/2, so purchasing before then will be included on that statement. The best way to use a credit card is to keep the statement balance below 30% of the credit limit and pay the entire balance before the due date each month; this builds credit history and avoids interest fees.

Can company issued credit card charges be deducted from your payroll check?

if you have not submitted an expense report within 90 days of the transaction date|||only if you have not honered company policy on the payment of the card, (unlike if you are garnished , by court order they will take a per cent of your pay) the company has the right to take every dime of your pay untill it is paid|||I think only if it goes to collections, they can get a judgment against you and garnish your wages|||if you have not complied with company policy, have used their credit card, YES they have the right to recover the money charged to that card!

Pls tell me the entries for the following accounting transaction?

Sold goods to Nariman and Co. for Rs. 5000 and received a post-dated cheque due on April 20.|||At the time of the sale you reduce inventory, increase accounts receivable and profit is the difference between the two. On April 20, decrease accounts receivable and increase cash.





I THINK...|||Nariman and Co Gr Dr. Rs. 5,000/-


To Sales 5,000/-


(Being sale of goods to Nariman and Co.)





No entry need be made in the books till the cheque is deposited in bank.


Howevwe an entry as under can be made:





Sales account Dr. Rs. 5,000/-


To.Post dated cheques Recda/c . 5,000/-


(being post dated cheque received from Nariman and Co. dated April 20)|||A bill give to Nariman and Co.

Credit Card Charges & Exchange Rates: Uses trans date or post date?

When using an american card to buy airfare from canadian sites, (airfare usually has a much later post date), does a credit card use the exchange rate on the day the transaction is requested or when it actually posts? The reason I am asking this is I am doing cost comparisons for business and personal travel.|||Call the 800 number on the back of your specific credit card and ask.

USE CAR SALES:What is my right to cancel a transaction prior to completion and handover.?

initial purchase form was signed and a deposit placed prior to final completion date.Dealer made known verbally that if buyer changed their mind for whatever reason they would only forfeit their deposit. This was found to be false.|||Deposit definitely forfeit... anything else will depnd upon what the contract you signed says - verbal assurance not worth the paper it's printed on.....|||You get a cooling off perios for all contracts just in case you change your mind, ask to see how long you are allowed.|||I can only say you should always read what you sign. It totally depends on your contract.





If there are witnesses to the verbal agreement, you may be able to take it to court. Verbal agreements are binding in a lot of states, as long as they can be proven.





If you fight it hard enough, and are visual with your fight, they will usually back down. There is nothing in that contract that says you can't tell every customer you feel robbed on your way out the door. Be sure you let them know you are going to do it, and you are serious.|||You still have a twenty four hour cooling of period from a dealer


and a 7 day no quibble waranty|||I work in used car sales and I think if you read carefully what agreement you have signed there is usually a time limit to when you can cancel. Remember that if you are buying a vehicle with Road Tax i.e 6mths from date of purchase or 12m that just by doing that puts another owner to the vehicle. You should lose your deposit - after all us guys behind the scenes are working our butts off to get the deal out on time sometimes with short notice, I had one yesterday who was just wasting everyones' time and we had taxed her car for her- turned out she was just using the time up on a visit to her parents and had no intention of buying a car even though she had paid a deposit. spare a thought for us in admin!!!|||There is no time frame for" cooling off" All the people above are wrong. The only time you would have it is with brand new cars and that would be only if something mechanical is wrong with the car and the dealership attempted to fix it three times and their attempts failed. Other then that you can't change your mind. But it sounds like you only singed a deposit offer. You will loose the deposit amount but as long as you have not actually signed the contract with the bank and you have not taken possession of the car you can cancel at any time since this is not the actually purchase, it was just an offer. They would try to convince you that you can't cancell a deposit just to keep you to buy the car, but that is not true. Again, this is valid only and only if you have not signed the actual contract.|||you may loose your deposit depends on the discression of the sale person

How to retrieve the last transactions of all items within a spread sheet which are of different dates ?

Supposing I鈥檓 using an excel spread sheet for a stock ledger that records the receiving and issuance as well as the balance of a series of stock items within the same spreadsheet. The transaction of each of these stocks items will be transacted at different times and at different dates. Is there anyway that I can retrieve the last transaction (which are likely to be from different dates) of all items within a single spread sheet report ?|||On the "home" tab, press the "sort %26amp; filter" button on the far right-hand side and press "filter." Then, go to the column with the dates, press the triangle/drop-down and sort such that the most recent items are at the top/bottom.

Can USPS reprint a receipt for you if you lost the original receipt?

Can USPS reprint a copy of a receipt if you lost the original receipt? I have the original card it was charged on and the transaction number and know the date it was sent on. I was just wondering, since I might need the receipt to show I sent out some documents.|||Sorry, no. There is no way to reprint a receipt.|||Well that's odd considering it was a printed out receipt from a COMPUTER! The USPS can't give some sort of documentation on the transaction to the customer so they can show proof the packages were actually sent?! But then USPS wouldn't really need tracking and confirm if they did!!!

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Can I use the same Delta voucher for more than one ticket?

I have two Delta vouchers that are worth $400 each. I want to fly home with my kids and husband to see the grandparents, only I want to stay for about 3 weeks and my husband can only get time off for 6 days. Is it possible to buy three tickets (one having a different return date) in the same transaction with these vouchers?|||We could all give you our thoughts - BUT vouchers and free tickets rules change so often that the best person to check with - is the airline themselves.

How do I find out the payment due date for my Visa credit card?

This is my first time with a credit card and it is a Student Platinum Plus Visa. I don't want to pay any interest fees so I want to pay everything before the payment due date. When I log into Bank of America online banking, there is no due date listed. One transaction has been posted on October 9th and two are still pending. It is been about 11 days since that transaction, so am I worrying too early and have to wait to the next month for the payment due date to show? Or is there like a glitch with my account?|||You will receive a monthly bill (and can also see it online), and that bill will indicate what the due date is. Because you just opened the account, you haven't received your first bill yet.|||You should receive a monthly statement which will show you the due date. It will also list the minimum due and the balance. Pay the whole thing and avoid interest.|||You could wait for your bill to arrive ... or call the toll free number on the back and ask them.

Could I go back to my credit card issuer to ask for a copy of the last statement?

I had lost most of my credit documents as a result of the missing luggage incident in my hotel in Hong Kong five years ago. I did not have any proof of the date of the last transaction in my account and the outstanding balance.


Would my credit card issuer provide the details of my account?


Please advise!|||You can usually get recent statements pretty easily online, or for a small fee for paper ones.





However, if it's from 5 years ago, I would think it might be a pretty big hassle. But give them a call, and be prepared to have to pay a significant fee (maybe %26gt;$50) to get it.|||just call the 800 number on the back of the card and they can give you this info over the phone!!!

Question about creating a DB in MS Access: What would this rule mean?

I have to create this database using MS Access but not sure what this rule means. My assignment requires this rule(one of many) to be implemented in my database when I create a table.


"The date a transaction takes place must default to the computer's current system date".


I've entered a validation rule which allows only the current date to be entered but now I can't enter any of my data because the dates are in the past.|||Don't use validation. When designing your table, against the "Default Value" property, put


Date()


This means that when you create a new record, Access assigns today's date, but you can overwrite it.

What would be the Journal Entries for this simple transaction!!?

Supplier: Miriam Bookstore, P8,000


Invoice date: May 28


Freight terms: F.O.B. Shipping Destination


Freight paid by: CS Schools supplies


Date Account paid: June 7





What would be the Journal Entries?


Thank you!|||When were the items received by Miriam Bookstore? Since FOB shipping is the destination point the property does not change ownership until the items arrive at Miriam Bookstore.





When the items do arrive, Miriam Bookstore would debit the appropriate asset account and credit Accounts Payable. When they pay, they would then debit A/P and credit Cash.





When the items arrive, CS Schools Supplies would debit Accounts Receivable and credit Inventory (assuming a perpetual inventory system, not periodic). They would also have to debit COGS and credit Sales. When payment was received on June 7th, and not taking into account any coupon requirement was met, then CS would debit Cash and clear out the A/R account for that amount that had been owed. COGS as an expense and Sales as a revenue would not be affected by receipt of payment. Hopefully this helped, it is just off the top of my head.





These journal entries are assuming that FOB is not occurring at the end of an operating cycle. If the goods are being transferred while financial statements have to be prepared then that is a whole other can of worms. Isn't accounting fun? :D

Working with advanced date calculations?

I'd like a cell in Excel to calculate "difference of two date cells" when the two cells have data entered. Plus, the cell should also be calculating from start date up to today's date(reflecting number of days so far) and should stop when stop date has been entered. Doing this, I should be able to know how many days have been consumed so far. It should also stop counting when the stop date has been entered. I am building an excel spreadsheet for recording working days. The employee can add a START and END date for each transaction. I would like the days cell to start calculating when the START date is entered reflecting how many days consumed up to date, and stop calculating when the END date has been entered. Is it possible? Any answers are highly appreciated for I am in a big mess tracking numerous transactions|||Excel represents dates as integer days from a beginning epic of 1 Jan 1900





So the first part of your question is easy - just subtract one date cell from another and format the difference cell as an integer to give the number of days elapsed.





For the more complicated stuff you want to do, review the date %26amp; time functions available.


"TODAY" returns the current date formatted as a date and "DATEVALUE" returns the integer representation of a date in text form. You can combine these with conditional (IF) functions to do your fancy tricks.

Working with advanced date calculations?

I'd like a cell in Excel to calculate "difference of two date cells" when the two cells have data entered. Plus, the cell should also be calculating from start date up to today's date(reflecting number of days so far) and should stop when stop date has been entered. Doing this, I should be able to know how many days have been consumed so far. It should also stop counting when the stop date has been entered. I am building an excel spreadsheet for recording working days. The employee can add a START and END date for each transaction. I would like the days cell to start calculating when the START date is entered reflecting how many days consumed up to date, and stop calculating when the END date has been entered. Is it possible? Any answers are highly appreciated for I am in a big mess tracking numerous transactions|||Assuming the start date is in A1 and the end date in B1





=NETWORKDAYS(A1,IF(B1="", TODAY(),B1))





The above formula uses the NETWORKDAYS function, with does not count Saturdays and Sundays (and any holidays you want to include). You might have to format the cell as a number.





If you want the formula to count all days including weekend days, then use the formula below





=IF(B1="",TODAY(), B1)-A1+1

How would u journalize this entry to record the sale of equipment?

Sold equipment that cost $792,500 when purchased on January 1, 2005. The equipment was sold for $464,800........there should be 4 journal entries for the date of the transaction.|||^^ possum sounds like an accounting major lol. i took accounting a while ago, but that sounds right.|||You're going to need the book value or the accumulated depreciation for the equipment.





Dr. Cash _______ 464,800


Dr. acc. depr. ___ xxx


.....Cr. equipment ________ 792,500








You will either debit a loss or credit a gain to balance the equation.

What can people do with your credit card number?

what can thieves do with your credit card number, your name, and a date of transaction. Someone stolen merchant copies of receipts, and my name and info was among stolen. I just canceled my card. However, I am still curious what it is that they can do other then doing unlimited shopping. can they track your previous transactions?|||wipe out all the money in your bank account, pretty quickly I might add

Help with advanced date calculations in excel.?

I'd like a cell in Excel to calculate "difference of two date cells" when the two cells have data entered. Plus, the cell should also be calculating from start date up to today's date(reflecting number of days so far) and should stop when stop date has been entered. Doing this, I should be able to know how many days have been consumed so far. It should also stop counting when the stop date has been entered. I am building an excel spreadsheet for recording working days. The employee can add a START and END date for each transaction. I would like the days cell to start calculating when the START date is entered reflecting how many days consumed up to date, and stop calculating when the END date has been entered. Is it possible? Any answers are highly appreciated for I am in a big mess tracking numerous transactions





Answers (1)





Assuming the start date is in A1 and the end date in B1





=NETWORKDAYS(A1,IF(B1="", TODAY(),B1))





The above formula uses the NETWORKDAYS function, with does not count Saturdays and Sundays (and any holidays you want to include). You might have to format the cell as a number.


The above answer is exactly what I was looking for. However, my problem still remains that when I add a new row to my table, the calculation automatically takes place giving me a very large number that I don't want. Formula should only start calculating when the start date is entered. Thanks in advance.|||If I understand your question correctly


Can see no reason why you cannot do a similar check on A1 as you already did on B1


so formula becomes


=IF(A1="","",NETWORKDAYS(A1,


IF(B1="", TODAY(),B1)))





HTH

I am charged with some transaction which I have never done through my citiban credit card.

I reside in India and hold a Citibank Credit Card.In the third week of June 2008 when I was enquiring my account details I came to know that I have been charged with five nos of online transactions through Paypal. All the transactions have been made on 18th June.I immediately lodged complaint with the credit card provider. They told that they would investigate the matter.I have not made any transaction through my credit card in last four months. But I do not understand how it could be made possible.The credit card is with me and I have not handed over it to anyone.Besides, every transaction through that credit card is confirmed only after the IPIN is entered after providing the credit card number along with the CVV no. and the date of expiry. Then how could it happen ?|||Maybe another card was sent and someone intercepted it? Maybe someone went through your stuff and wrote the number down.|||You ought to check with your credit card provider to investigate this issue.





1) Always make sure that your credit card details (number, expiry date, CVV number) are under lock and key.


2) Don't part with your card even to those who claim to be coming from the bank.


3) Never open suspicious emails and don't enter your personal, financial and confidential information into unknown websites.

How a credit card company determine the statement closing time?

If the statement closing date is March 6, and I purchase somethings on March 6, 12am. What date will be this transaction on?|||That depends on when the transaction posts to the account, not when the actual purchase is made. There is often a lag time.

What is the statute of limitations for suing for unjust enrichment?

Is it three years from the date of the 'transaction' or three years fro the date you discovered it?|||date of last activity.

What is purchase transaction?

My credit card company says, interest free period is 20 days from the date of the monthly billing statement and only applicable for purchase transactions. I was wondering what is purchase transaction?|||Anytime you use your card as a card...not to include items like cash advances or balance transfers.

Stolen credit card number what can they do?

what can thieves do with your credit card number, your name, and a date of transaction. Someone stolen merchant copies of receipts, and my name and info was among stolen. I just canceled my card. However, I am still curious what it is that they can do other then doing unlimited shopping. can they track your previous transactions?|||All they can do is try to charge more stuff to that credit card. They can't find out anything else about transactions or about you, because if they call the bank, the bank will ask for your SSN, which they won't know.

$100 transaction fee?

my online banking transaction list says this:





Date | Description of Transaction | Debit | Credit


1 Aug 2008 | TRANSACTION FEE | 100.00








what's the transaction fee for? and why is it so much?


the only thing's i've used over the last few days are EFTPOS once and PayPal once.|||Best thing you can do is call the bank and ask them.





The information you gave has few details, so it's not easy for anyone here to help out.

$100 transaction fee?

my online banking transaction list says this:





Date | Description of Transaction | Debit | Credit


1 Aug 2008 | TRANSACTION FEE | 100.00








what's the transaction fee for? and why is it so much?


the only thing's i've used over the last few days are EFTPOS once and PayPal once.|||Call your bank.

$100 transaction fee?

my online banking transaction list says this:





Date | Description of Transaction | Debit | Credit


1 Aug 2008 | TRANSACTION FEE | 100.00








what's the transaction fee for? and why is it so much?


the only thing's i've used over the last few days are EFTPOS once and PayPal once.|||I'd sure be at the bank on Monday morning, asking about that fee!





Was it posted on the same date as your EFTPOS or Paypal uses?





I'd sure like to know what they are charging you for!|||Why wait? Most banks are open on Saturday from 9 am to 1 pm. Call your local branch or the toll free phone number on the back of your ATM card. Customer Service, Checking Department. It almost sounds like a NSF charge. |||Call customer serice or go to the bank on Saturday and find out. You will probably be able to get more information over the phone with custoemr service than the bank.





Good luck.

I want to know if a Bank in the US can process a check presented to it if the check is post-dated?

here's the story. I presented a post dated check drawn on XYZ bank to ABC. ABC presented it to XYZ for payment. Can XYZ complete the transaction if the date on the check is in the future of the date on which the check was presented for payment?|||Yes, then will generally clear a post dated check. I accidentally wrote the wrong month on a rent check (I put the next month's date on it) and the bank accepted it without questioning it.





I always make my car payment check out for the due date but the finance company clears it the day they receive it, not the date it's written for.





With a greater number of businesses clearing checks electronically, it is likely that a person at the bank will not even see the check. Only the account info and amount will be transmitted. An image is sent but the date written on the check is pretty much irrelevant.|||Yes it can. The date on the check is irrelevant to the bank.|||yes, because unlike in some other countrys where there are clearing houses for those checks being issued wherein every checks where being scrutinized for the aunthenticity of the checks, including the date, I have found out that US bank have no way of verifying manually every check's date being presented for payment. It happens to me just recently, because I have issued a postdated check but then when it was presented for payment before the actual date, it was cashed-out that day it was presented.

Why would a solicitor use an OTC transaction in a balance sheet to a client.?

He made the transaction on the date of completion on a house purchase but I paid no money to him on that day. All bills were paid in full prior to completion. He is claiming an arrangement fee paid to a bank which has been added to my mortgage. He has started a ccj against me for this money. (拢999.00 + interest + his costs)|||You need to check your receipts and read all documents that you signed. Also check with your bank. If you don't owe the money then I would fight it and file a complaint with the government regulators. It would be in your best interest to consult a lawyer or solicitor of your own.|||Because his Firm transferred the money for the house purchase on that day and BACS transfers cost.