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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads

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Telecheck - How It Works

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As the back-to-school and holiday seasons begin, I get a lot of emails regarding Telecheck as checks are denied at POS (Point-of-Sale).

My personal advice is to stop writing checks - unless you absolutely have to. After fraud with Chase Bank, I may write 2 or 3 checks a year.


When businesses partner with Telecheck, they guarantee the checks you write. This means if a check bounces, Telecheck will reimburse the business, and then go after you for the check amount and fee.


They have been sued left and right for their shady business practices.


If your check is denied - even though you have funds in the bank - it is their individual, business decision. Over the last 15 years since I've been helping with check related issues, I have yet to get a consistent, firm answer from them why they decline checks. It appears to be their subjective decision. (Keep in mind, that a business is not legally obligated to accept your check).


Telecheck, however, must follow state and federal credit reporting and collection laws, and this seems to be where they get in trouble.


They factor here on this forum, because many of the second-chance checking accounts we recommend use Telecheck for approvals. If you are having problems with them, the first step is to order your free annual report. Unfortunately, they still use snail mail.


Request Telecheck Annual Report



***In this age of data collection, I refuse to send them a voided check. All they need to verify your identity is Name, Address, SSN, and ID Number. They don't need your phone number, where you bank or your employer's number. Reply to this post if you have difficulty getting your annual report.


Note: I am verifying again if they report negatives for the full 7 years, and if they remove entries once they are paid.

Edited by tmcgill

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