[Hopey]

[ QUOTE ]
Lots of people fall for this scam. The fact that you didn't know that the bank can still recover the funds after the cheque has cleared does not make you stupid. I would suspect that most people don't know this.

You're calling outright fraud A"SCAM". This is nothing but theft. What are you talking about? Your own bank can guarantee to you a checks validity , you act on that assurance, and then they can later declare check invalid AND YOUR RESPONSIBLE. Is that what your saying?

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Yes, that's what I'm saying. I'm not defending the banks , I'm just telling you how things work. The banks' asses are covered if the cheque turns out to be fraudulent.