支票上的日期 （Post-Dated cheque)

[爱打呼噜的鱼]

几天前我写了2张支票给房东，一张是10月20号，一张写11月15号。
今天看银行账户，发现2张都兑现了。幸好账户里有点钱。
是不是银行不该这么早就cashed第二张支票。如果“跳票”了，是不是不能怪我啊。
看来以后少写post dated cheque。

 

[Ayin_Ottawa]

如果出现跳票，让房东出银行罚你的钱和利息等等。

你要给房东讲清楚说明白。

 

[冷笑9声]

你要没写错就是银行弄错了，前台那些人很初级的。

 

[Ayin_Ottawa]

你要没写错就是银行弄错了，前台那些人很初级的。

这不是银行的错，是房东的错！房东不应该提早兑现post-dated cheque!

 

[Keith 2010]

There is no post dated cheque in Canada. The banks use the system to clear cheque. The machine could not recognize the date on the cheque (and even signature).

 

[冷笑9声]

这不是银行的错，是房东的错！房东不应该提早兑现post-dated cheque!

和房东没关系。房东一般是一次交给银行一打支票，银行只能兑现到期的，post-date支票只能留本行或送总行到期兑现。

 

[Ayin_Ottawa]

和房东没关系。房东一般是一次交给银行一打支票，银行只能兑现到期的，post-date支票只能留本行或送总行到期兑现。

Disagree.

What happens if a post-dated cheque is accepted and processed to my account before the due date?

Under CPA Rules, a post-dated cheque is not eligible for clearing and therefore should not be deposited before the due date. However, given the large volume of cheques and the degree of automated processing, some post-dated items may inadvertently slip through.

Under Rule A4, Section 6(b), a payment item may be returned through the clearing by a CPA member financial institution for the reason "post-dated" up to and including the day prior to the due date. Once the due date is reached, the payment item cannot be returned for the reason "post-dated".

A customer with concerns about a post-dated cheque being processed to his or her account should raise them with his or her financial institution. If the institution is notified within the timeframe described above, the cheque can be returned through the clearing. Questions about overdrafts as a result of the early processing of post-dated items should also be addressed to the financial institution.

http://forums.redflagdeals.com/what-happens-when-you-deposit-post-dated-cheque-early-471999/

 

[冷笑9声]

Disagree.
http://forums.redflagdeals.com/what-happens-when-you-deposit-post-dated-cheque-early-471999/

阿银，俺承认俺不懂法，可俺一直进进出出地掺和POST-DATE CHEQUE。 PDC一直是被银行收下当BATCH JOB按DATE处理的，和什么时候存木有关系。

 

[Ayin_Ottawa]

阿银，俺承认俺不懂法，可俺一直进进出出地掺和POST-DATE CHEQUE。 PDC一直是被银行收下当BATCH JOB按DATE处理的，和什么时候存木有关系。

这只能说明你的银行OCR好。

但如果post-dated cheque被提早支取而出现NSF或者透支而收费等等，谁之过？

如果LZ出现这种状况，提早兑现的人有错。至于是房东的银行出这笔钱，还是房东出这笔钱，这是个模糊地带。

 

[水晶瓶子]

这个肯定又扯皮了

 

[ccc]

你如果想害房东的话，给银行打个电话。

 

[冷笑9声]

这只能说明你的银行OCR好。

但如果post-dated cheque被提早支取而出现NSF或者透支而收费等等，谁之过？

如果LZ出现这种状况，提早兑现的人有错。至于是房东的银行出这笔钱，还是房东出这笔钱，这是个模糊地带。

个人认为，为嘛要有PDC? 就是不能提前支付，哪家银行支付了就是哪银行的问题。如果不愉快事情发生，让房东去协调吧。
类似经历，我曾经用信通卡自动付保险帐单，有一次圣诞节期间，信用卡公司神经病，觉得网上自动支付可疑，拒了。保险公司又试了几次，全部失败，于是让我支付相关其它费用。俺打电话给信用卡公司，扯了点皮，人家全部CREDIT返回。
这种烂事时不时地发生，不能生气的。