I don't get how that works. Once a check "clears" a bank, how can they come after you for the money? Isn't that why, even in this electronic age, some checks take days to clear? Or, are people not really waiting for official clearance?

Often it's a foreign cashier's check. Many people think a cashier's check is as good as cold hard cash. They're not - they can be counterfit. The bank makes the money available as a courtesy, but when the counterfit is discovered the seller is now out the money for the check.

eta: Laga's link explains it in more detail.

I don't get how that works. Once a check "clears" a bank, how can they come after you for the money? Isn't that why, even in this electronic age, some checks take days to clear? Or, are people not really waiting for official clearance?

Counterfeit certified checks can take weeks for banks to pick up the fraud. Meanwhile the scammers push the marks to wire them some of the "excess" funds. The mark figures that a) certified means the check is pre-cleared; b) a few days should be enough time if it still needs to be cleared; and c) if the bank screwed up it's their problem. Wrong on all counts. And once the "excess" funds are wired overseas, they're non-recoverable.

ETA: inevitable x-post

If you read the example listed above, they used a faked cashier's check from a defunct bank -- so that it would take much longer to get cleared/rejected than usual.

I hope erika's brother reads through that whole example, it's eye-opening.

See, this whole thing reinforces my unwillingness to deal with anybody who can't spell or use grammar correctly on the internet. (Which I know is not fair; my own husband is a bad speller, but still.)

We read it to him on the phone. Didn't see the mail, so can't comment about UK guy's spelling.

I should get food.

Bother.

Shampooing the carpet is always so disgusting.

I went out to pick up some specific xmas gifty things and there were none! Pissy=me.

This next week is going to be insane. I have a major software install that'll last 2 days. On those 2 days, I also have to make a late morning vet appointment (and of course, Devi's digestive tract started acting normal right AFTER I made the appt) and leave early for a haircut appt that I made 6 freaking weeks ago, because it was the soonest.

Yay! I had a croissant! And I think it might have been OK to cook up this morning -- I was expecting it to get much bigger before cooking, but it did puff way up in the oven.

Kat, there are like, a million doubles in the Noah and Grace pics. Would it be okay if I took a few to frame for myself?