I know I am probably screwed but need advice

[Halfcan]

Go to the poilice station and file a report. Then you can take that to your bank and have your money returned to you. They will most likely put a temporary deposit back in your account. You will have to sign some paperwork explaining your side of it. pics of the deck ect. wouldnt hurt your cause. The bank will investigate and then turn it over for bank fraud and file charges.

Not sure why you waited a month when you saw the check go through- but i wouldnt wait any longer.

If you still need work done PM Phobia. He does excellent work and has Many references including myself.

[DanT]

I googled "unsigned check". Based on the results, it looks like giving someone an unsigned check is not all that unusual. Here's what one law firm has on their web page about them:

Originally Posted by http://winstonandwinston.com/?page_id=316

Unsigned Check
BY JAY AND ARTHUR WINSTON, WINSTON & WINSTON, P.C.

A check that is unsigned may be deposited by the recipient by endorsing on the reverse side of the check the payee’s signature and guaranteeing to the bank the signature of the maker of the check. When the check is presented to the maker’s bank, the bank accepts the check and transfers the funds. The maker who receives the debit on the bank statement will not contact the bank since he or she believed the check was signed. The maker who did not sign the check deliberately will contact the bank which, in turn, will contact the depositor’s bank and assert no signature. The bank will charge the depositor’s account and the depositor will be in no worse or better position than if the check was returned to the maker for signature. The only expense incurred is the charge of the bank for returning the check.
If the unsigned check is returned by mail to the debtor for signature, the debtor may never sign the check and send it back to the creditor. Sometimes the debtor does not sign the check intentionally as a ploy to stall for time. For this reason, we recommend guaranteeing the signature and depositing the check, as described above.

Copyright © 2000, 2001 Winston & Winston P.C. All rights reserved.
Revised: July 29, 2003

[DanT]

Here's what eHow said while answering the question "Can a Bank Process an Unsigned Check?":

Originally Posted by http://www.ehow.com/facts_7639487_can-bank-process-unsigned-check.html

Unsigned Checks
In many cases, a bank will process an unsigned check. They may require the bearer to write "Over" in the signature line, and "Lack of Signature Guaranteed" on the back, above the bearer's signature. Some banks may even process an unsigned check without verifying signature. If you wrote an unsigned check, which you didn't wish cashed, you must contact the bank immediately, typically within 30 days. In some cases, banks will not honor checks which have not been signed by the maker.



Read more: Can a Bank Process an Unsigned Check? | eHow http://www.ehow.com/facts_7639487_ca...#ixzz2Tftw2NhG

[Sully]

Originally Posted by Halfcan

If you still need work done PM Phobia. He does excellent work and has Many references including myself.

This
A few years back, someone close to me needed some work done relatively quickly, and relatively cheaply. I had heard enough about Phil on here that I got in contact with him. I had to explain that this person was very difficult to deal with, and what she needed done. He explained exactly what his plan was, and followed through. He knew which shortcuts would make the bill cheaper, but also look good.
I dropped out of the process after that, but in asking, I heard the job was done well, except for her typical bitching about everything in life.

Originally Posted by Sully

This
A few years back, someone close to me needed some work done relatively quickly, and relatively cheaply. I had heard enough about Phil on here that I got in contact with him. I had to explain that this person was very difficult to deal with, and what she needed done. He explained exactly what his plan was, and followed through. He knew which shortcuts would make the bill cheaper, but also look good.
I dropped out of the process after that, but in asking, I heard the job was done well, except for her typical bitching about everything in life.

Thanks for the kind words. She was fine. She was just far too kind for her own good and got screwed by her tenants. I wish we could have fixed all that stuff perfectly but hopefully the lipstick we put on the pig helped it sell. That was a real mess for all of us.

[go bo]

Originally Posted by Phobia

Thanks for the kind words. She was fine. She was just far too kind for her own good and got screwed by her tenants. I wish we could have fixed all that stuff perfectly but hopefully the lipstick we put on the pig helped it sell. That was a real mess for all of us.

let me put in another good word...

phobia has dome relatively minor work for me but i would vouch for his work anytime...

one of the good guys out there, really...

[Bob Dole]

Bob Dole had a project and it just went to shit after Phobia left.

And Bob Dole's wife got fat.

[go bo]

Originally Posted by Bob Dole

Bob Dole had a project and it just went to shit after Phobia left.

And Bob Dole's wife got fat.

i didn't know bob dole had a wife...

oh wait, elizabeth something or other...

[bringbackmarty]

Phil's good people, does great work, he's a good boss too. Fun guy to be around while you work, easygoing, tells jokes, only an asshole when it's absolutely necessary, and he always keeps his word. Taught me more than a few things about light construction, decks, remodeling. Gives good advice to me whenever I need it. Plus he and CP hired me to play some jazz for a CP get together right when I moved back here in '05. Thanks Phil!
Edit - (to clarify: I worked for Phil on a couple of projects, not currently one of his employees)

Originally Posted by bringbackmarty

Phil's good people, does great work, he's a good boss too. Fun guy to be around while you work, easygoing, tells jokes, only an asshole when it's absolutely necessary, and he always keeps his word. Taught me more than a few things about light construction, decks, remodeling. Gives good advice to me whenever I need it. Plus he and CP hired me to play some jazz for a CP get together right when I moved back here in '05. Thanks Phil!
Edit - (to clarify: I worked for Phil on a couple of projects, not currently one of his employees)

Remember when we had like 8 guys on that one project named some iteration of "Mike"? Even the concrete truck driver was named Mike.

[bringbackmarty]

Originally Posted by Phobia

Remember when we had like 8 guys on that one project named some iteration of "Mike"? Even the concrete truck driver was named Mike.

Yeah that was pretty funny. "Hey Mike." - four guys all say "what". Jim and Barbara's new house as I recall.
"G@# d*#$&^t Barbara!" I still say that while impersonating him when I'm joking with the wife.

[|Zach|]

Originally Posted by Phobia

Remember when we had like 8 guys on that one project named some iteration of "Mike"? Even the concrete truck driver was named Mike.

[Jewish Rabbi]

Can we get a mod to change the title to "Phobia bukkake thread"?

This should probably be stuck to the top of the forum for a few months too.

[pkane]

Since the topic took a turn into stroking Phobia's ego, I'll join in. I heard about his work through CP and figured I give him a call to do some work at my house. He does very good work at an affordable price. I was pleased with what was done and referred him to my parents with similar results. I can't say a bad word about him. Definitely worth a call to get a quote or even to bounce ideas off to. He gave me a few ideas on things that I would not of thought of myself. Really knowledgeable about his line of work.

While we are out giving recommendations on people. If you are looking to buy or sell a house I couldn't give a big enough recommendation to doomy3. He works his ass off and keeps you updated with everything going on. Another guy really knowledgable in his line of work and very honest.