On  Fri, 31 Dec 2004 at 03:10:15, Dilwyn Jones wrote:
(ref: <[EMAIL PROTECTED]>)

 <snip>
>
>Amazes me that people are prepared to waste their time pestering people
>like me who have never and never will knowingly respond to junk
>mail/email/texts. Always amazes me how people take the attitude that
>they'll do something just because it can be done, and no though
>whatsoever to right, wrong or morality! Mind you, many people have been
>gullible enough to fall for Nigerian email scams, ebay "I'll send you
>cheque for 10 times the price, you send me 9 times the price back" and
>sure enough the cheque bounces and gets charged against the customer's
>account even though it appeared in the customer's account 4 days after
>being banked as though it had been cleared.
The banks have finally admitted there is no such thing as a cleared
cheque.
There are well documented cases of them debiting people's accounts up to
2 years after a cheque has been 'cleared'.  This was reported on R4 'You
and Yours" and "Money Programme". A interviewee from the banks admitted
this.  They reserve the right to claim money back on bad cheques without
time limit.  They say in some circumstances, with complicated fraud, it
can take years to come to light.

The only way I would accept a large amount of money by 'cheque' is a
banker's draft or building society cheque.  However there are plenty of
examples of people using stolen building society cheques and banker's
drafts, so they need clearing too.  At least once they have cleared,
they are sure to be OK.
>
>With junk mail and email I take the attitude that if they have to reach
>out to me in this way, their product is obviously such a lot of crap
>that nobody in their right mind would buy it of their own free will.
Even worse are junk phone calls.
I am sure you are pestered by these, including recorded voices
announcing me as a 'winner'.

Tony

-- 
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