H:smack:e is probably scr:smack:ewing you over on this one, unless you paid by ch;)eck.
Thank you everyone for your help, I did some checking into this and found out that in Fla(where I am) the law requires a landlord to put any monies payed over the amount due into a seperate account and they are not allowed to use it till it is due, also if it is an interest earning account they have to pay the interest to the renter.Fla Statuate 82.3
So did you get receipts? Did you pay cash or check?
Interesting. I would still not trust my landlord with my money. Do the landlords have the option to refuse to accept the extra money? If I was a landlord, I wouldn’t want the hassle of having to open accounts for my tenants and keep track of their money.
But can you prove that you’ve overpaid him? Cancelled checks? What’s stopping him from just saying that you’ve never paid over the amount?
It’s been a long time since I owned a rental property but if I remember correctly it is against the law to not give a receipt for rent.
I don’t want to ask for personal info but can I ask where you are in kind of a general sense.
I pay $800/month where I am, although it does include utilities and in this area that is a sweet deal. The cheapest I’ve found around here is $1200/month for a small 3 bedroom condo not in a nice area. Something nice is going to be at least $1600. I can live anywhere because I work from home. All I need is a reliable land line and internet connection. I could probably get by without the internet and use my phone.
DJG311, have you watched no Judge Judy? First mistake - paying in cash (if that’s what you did).
Second mistake - not insisting on a receipt. When you give someone money, you have a right to proof that you gave it to them. If I had a landlord who wouldn’t give me a receipt, I’d print up my own receipts and get him to initial them or something - my ass needs to be covered.
Third mistake - Not keeping track of your own damned money. Yes, the landlord should be obeying all the laws regarding rentals in Florida, but you have to look after your own money, not cry foul when someone else doesn’t.
Fourth mistake - Paying extra when your landlord is already acting suspiciously by not giving receipts. It’s like you were going out of your way to get taken advantage of.
One of the basic legal laws for all kinds of transactions - if you can’t prove it, it didn’t happen. So, have you learned your lesson?
Why would you ask that? You are supposed to pay $600 per month but instead you have been giving your landlord $800 per month, therefore you still owe $600 per month for each month you gave $800 rather than pay $600.
[looks around]What?[/looks around]
Then the teller gets a huge overage. They take that seriously, and it needs to be explained, the same as a shortage. If it was entered otherwise, it should show up in the system, and she should’ve called, or lodged a complaint/inquiry. If the teller pocketed it, then the reason banks have dozens of cameras is not just to deter robbery by outside agents!
Not if the the teller puts some in the drawer (and properly records it) and some in his/her own pocket.
But when they count the drawer later, it won’t match to the receipts.
And the cameras, as I mentioned. You can lie to cover an overage/shortage, but they do random counts semi-frequently, so you’d have to explain that then. At worst, they wouldn’t be able to tie it to a single transaction, but the teller would be fired and a record would be made. If elbows’ friend has called and said “I wasn’t credited $X!” and it turns out that there is $X unaccounted for, it becomes easier to fix. It’s not clear if she complained directly to the bank or just to others, but that would be the first step.
What receipt? The person basically just donated cash to the teller’s wallet.
The cashier at a fast food place I drove through the other day tried something like this. Gave her a $10 bill, she entered $6 received on the register receipt for my $5.50 meal, gave me back $3.50 assuming I wouldn’t count it. Free $1 for her if I don’t notice the mistake. I told her my change was wrong and she gave me the extra $1 that was conveniently right there outside the register.
The receipt for that shift. That might be the wrong word - the tally they run at the end of the shift that says how many transactions were made, how much cash is expected, how much in American Express receipts, how much in VISA receipts, how much in Mastercard receipts, etc. Every cash-out balances what’s in the teller’s drawer with what is expected from the transactions she rang in.
That’s one way to get around all the checks and balances for cashiers’ stealing - just steal directly from the customers.
You’re missing the key point: the cashier doesn’t record the transaction at all. She takes the order off line, hollers the order to her cohort who prepares what was ordered, hands the food to the customer, and pockets the cash.
Yeah, but it’s easier to cheat someone out of $1.23 at McDonald’s, than $486 at the bank. And a hell of a lot easier to attribute to a mistake if caught.
Maybe that’s where I’m getting confused - it is a lot easier to cheat someone out of a dollar of incorrect change than an entire large credit card payment.
Can someone give a hypothetical with details to see if I’m understanding what we’re talking about?
I think the hypothetical is pretty simple. You hand the teller a wad of cash and tell her you’d like to put it towards your credit card balance. She smiles, says of course, and asks if you’d like a receipt. You say no. She hits a few meaningless buttons on her terminal to make it go bleepbloopbleepbloop (I haven’t worked at a bank, so I don’t know what they’d be; as a cashier, it’d have been the Look Up PLU button, a couple of Clear Entry buttons and finally the No Sale button to make the drawer open.)
She uses very common, easily learned and well practiced sleight of hand techniques to put your wad of cash in her pocket. She makes a few remarks about the weather and hopes you have a good day. You leave.
When you return because you still owe $wadofcash on your next credit card statement, you have no receipt. You probably don’t know her name. You aren’t sure when you were at the bank, but it was probably Tuesday, except no, maybe it was Wednesday, and it was two, no three weeks ago… The manager just looks at you like you’re a loon and asks what you expect him to do.
Moral of the hypothetical: always get a receipt.
…Or, the bank teller takes your $700, records a $600 deposit, and pockets $100. Or maybe she makes an honest mistake, and puts $700 in the drawer but only records $600.