check cashed after stop payment

At the request of a former employee,

we put a stop payment on a lost

check and re-issued a new check.

The employee cashed both checks.

Now the check cashing company is

requesting money from us as an

HIDC. Do we pay them and try to

collect from the former employee? Or

is it their burden to collect from him?

Internet loan

I need to pay an internet loan that I got back on May of 2006. Bank says it will file theft by deception and bank fraud if I do not pay soon. It is for $2105. I'm trying to solve this by making payments but they are not clear on what I can pay. What is the best approach to solve this and make payments or hold this off till I can pay.

banking laws

I have an account with my husband at a bank where I have a business loan, my husband is not on the business loan, the business loan is deliquent the bank took out money from the joint account with my huband to go towards the business loan. The business loan is under my name and my mothers name, it has nothing to do with my husband, can the bank legally do that?

Employer investment accounts

If you are an employee of a bank, can the bank legally require you to transfer all of your investment accounts (mutual funds, money market, etc.) over to them and terminate you if you do not?

certificates of deposit

can I locate my deceased father's certificates of deposit by his name? Are they registered somewhere?

Banking

i still have my name on a bank account with my husband soon to be ex husband and i have spent money that is in the account now he says he can sue me for that. does he have a legal suit against me since my name is still on the account?

Mortgage lending

We bought a house and closed on it

and the lender was unable to sell the

loan to an investor because of the

meltdown and the tightning of the

market.

Weve made all our payments either

on time or before time and have

tried to enjoy our new home.

The lendor however, keeps insisting

that we need to refi to a different

mortgage product and have

threatened audit amongst other

things. I think its harrassment and I

wanted to get an opinion as to the

law in this matter. This has been

going on for 4 months and has

caused many sleepless nights.

Banker had an affair with my partner

My Banker had an affair with my domestic partner. After this she said my partner raped her and tried to get money from me. As she knew my account info and seen that I recently had a very large sum of money go into my account. The banker told me she would ruin my life if I did not pay her. That everyone knows they slept together and it would not be hard to prove. My partner went to court for defending her self on a restrain order and it all came out in my partners favor. Now the banker is at another branch My life is in shambles because she scammed her way in my life and in my partners bed. I no longer bank with that bank for various reasons this beading one. I asked the bank to restrict her from viewing my account the would not do it and did not care that she was bribing me. What can I do?

Cashiers Check

I made a mistake cashing a cashiers check. My bank approved the transaction then I was informed that the check was returned for non payment?

overpaid

The job I left in August is still directly depositing my payroll check. I have called my ex boss twice and he said he would have it taken care of. I have not used any of the money (yet) and the catcher is that my checking account is with this same bank I used to work for. I know the money is not mine but is nice having a little safety net until they finally take it back. Am I braking any laws?

NSF Check and Services Not Delivered

After signing a contract to have our house painted, we contacted the supplier to cancel the contract per the terms of the contract. They did not return calls, so I put a stop payment on the deposit check and moved money out of my checking account to ensure that the check wouldn't clear while the bank was processing the stop payment. The chaeck was sent back to the supplier as NSF, and not they are threatening to prosecute me if I do not pay the amount in full, even though the contract was cancelled and the services were never delivered. Can they do this?

deposition

can anyone attend a deposition

Civil suite

A collections company is threatening to sue my wife for a debt over 12 years ago in California. Is this possible and don't they have to ''serve'' her with some sort of documentation?

joint bank accounts

I am a joint owner of a bank account and recently I withdrew money from the account. The co owner now wants to press charges and is trying to get me to pay back the money. What do I do?

Car repossesion

I have recently gotten in a ituation were I cannot pay on my car loan anymore. I am thinking abot voluntary repossesion of the vehicle. What will happen after I give the car back...also will I be sued for the remaining balance. What if I cannot pay??

Lien on Social security funds

Can a banking insitution take the funds that are deposited into a checking account for Social Security benefits. My father is considering turning his motorhome back to the bank in which fiances it due to the fact he can not make the payments due to the death of my mother and the loss of her income. Dad gets Social Security as his only income at a amount of 800.00 a month and has no additional funds to make this debt payment. He is concerned that the bank can put a lien on his Social Security. Is this true? Please advise.

Owing on bank loan can they take my Social Security check?

I recently gave back the motor home in which I fianced thru the bank years ago and unable to pay the bank note since the death of my spouse. Can the bank capture my automatic deposit of my Social Securty benifits for repayment of this note?

Check payable to two persons by the word And

They said according to NJSA12A:3-110d that if an instrument is ambiguous as to whether it is payable to the persons aternatively, the instrument is payable to the persons alternatively. How can one person get all the money from a check and deposit it into their account and the other person gets nothing. That just doesn't even sound fair or just. There's got to be justice for the other person of that check when half the money was his. Please help. Thank You

Mortgage Rate Regulation

Can anyone please tell me

a) what federal agency regulates the floors on mortgage rates (i.e., is it possible for a lender to offer a residential loan at Prime MINUS 1% or is there an agency that would regulate that)?

b) any suggestions on good treatises/journals/other learning tools for the following: banking law, forming a corporation, the mortgage industry, or how to jump into an in-house position with a newly formed mortgage corporation?

Thanks, all.

check cashing

we have a grocery store. we cash checks for our customers and overpaid a customer by 800.00. can we prosecute if she decides not to return the money