I was mailed a check and i cashed it and the bank shows that the acct its from is closed?

Question

i got the check which was supposed to be a personal grant and i cashed it and paid off bills and now the lady from the bank showed up at my house tonite and told me that the check came back and that i have to pay all the money back. what do i do? i dont have the money. i have 3 small kids at home and now i fear i may be in trouble with the law if i cant come up with the money. i have been researching federal grants and this placce called FWCI.. Foundation of the wall and Ceiling industry sent me the check. and it came back to the bank as the account being closed and i cant get a hold of anyone cause it is after hours and now i am freakin out. someone please help me find out what to do

Answer 1

you got caught in a scam.  You have to pay the bank all the money back.  no one gives away money just like that.

Answer 2

That Foundation has a website.  It says nothing about having any part in issuing grants.  Banks do not send people to houses to tell them to pay money.  I vote for a scam.  Go to your bank in the morning with all the paperwork.

Answer 3

There is not much you can do. Tell the Bank you did not know the check was fraud. Tell them you thought it was a grant, but you now think it might be fraud. Tell them you don't have the money. Ask them if you can get a 'workout loan'. This is a loan they set up with you to pay back the money over time.

Answer 4

It sounds like you are a victim of a scam. There are bogus grant checks, lottery checks, secret shopper scams and Nigerian ,Ebay,Craig's List even readers digest, & Publisher Clearing House, that will send you checks.

Some ask for you to wire back so of the money to them, which is money laundering. I've seen business customers fall for it after using the check to pay his workers, as well as families who spent the money only to find out they are $7-8,000.00 neg in their bank when the check is returned.

You need to meet with the bank manager who is the main manager and ask to make payment arrangements. If you do they usually will. Explain to them how you didn't know it wasn't a real check. Contact your local Prosecuting attorney and see if you can do anything against the company who wrote the bad check?

If anyone ever wants to check out these type of easy money deals please please go to rip off report .com, and type in the companies name before you become a victim.

Answer 5

I would call your bank and ask if it is their policy to send someone to your house.  I have never, ever heard of that before.  Ask at the bank what you can do to repay the debt, if you have to.  You need to question your bank about fees, sometimes banks will charge you the bounced check fee, even if it was written on another account, simply because it was deposited to your account.  You don't want to be stuck paying that, too.

Answer 6

Foundation of the Wall and Ceiling industry ?

Your kidding right ?

Oh man, I cant stop laughing.

Answer 7

Did you pay money for this "grant"? Sounds like a scam to me.