I filled out registration papers for my daughter to attend preschool. On the welcome letter it states: Confirmation of class placement will be made on January 20th, or at one of the tour days should you attend. Once the confirmation is made and verified by you, all fee paid will be cashed and are the non-refundable...On the document that lists the sessions and how much the sessions are it states at the bottom: All fees paid are non-refundable one you have accepted a class spot...On the registration form at the bottom is states in capital letters: ONCE CLASS CONFIRMATION IS MADE AND YOU HAVE ACCEPTED A SPOT, ALL FEES PAID ARE NON-REFUNDABLE
I filled out the registation and wrote a check out for $115.00($25.00 registration fee and $90.00 for May's tuition) and gave the documents to my daycare provider to give to the preschool on February 3rd. After a couple of days of not hearing from the preschool, I asked my daycare provider if she have given the documents to the preschool and she said yes. There was no communication from the preschool until I tried calling the directior on February 23rd. So no confirmation or verification was made. On Monday the 22nd I decided I didn't want my daughter going to preschool there due to lack of commincation and organization skills. On Tuesday the 23rd I called her several times and left her voicemails(she didn't answer her phone) to have her call me back, to let her know that we decided not to have our daughter attend preschool there. That day I also noticed that the check that I wrote to the preschool for $115.00 cleared my Credit Union. I worked in the accounting department in a Credit Union for 4 years and I was aware/trained that I had till the next business day after my check cleared my checking account to send the check back. I was focused on getting ahold of the director/preschool by end of business day on Wednesday. I called the director/preschool a couple of times Wednesday morning the 23rd, again leaving a voicemail or two to have the director call me back. The director did call me back on Wednesday morning around 11:30and I explained the situation at hand. The conversation did not go well and I end up telling her I was returning the check as unathorized. I called the Accounting department of my Credit Union and asked to have the check returned as unathorized as I was giving the Accounting department my check number I noticed that the check I wrote for a $115.00 the legal amount was only for $100.00(I had the intent of writing the check for $115.00). The Accounting department told me that they could not send a check back as unathorized but did send it back as other. On Friday the 26th I went to the preschool to speak to the lady I spoke to on the phone on Wednesday(she the director and the one that processes the paperwork) to speak to her face to face. Her employees told me she wasn't there and that should would not be in that day and the day that she only really comes in is Wednesdays. She is now calling my Credit Union and raising heck...My question to is as a member of the Credit Union was I within my time frame of returning the check and within in my rights of returning the check? I believe it has become a legal issue between me & the director.




Thanks

I see a couple of issues. First, you can place a stop for any reason. The CU/bank should not be so concerned with the reason as with the fact that you wanted it stopped. BUT you didn't stop it before it had paid. It came in on Tuesday and you wanted it returned Wednesday. You don't indicate that a stop was placed. Once presented, if there is no stop order and the item was authorized by you, it should pay.

The written amount of $100 is what it should have paid for. That takes precedence over numerals.

I believe the item has to pay and you have to work it out with the school. They failed to confirm the arrangements and you believe they shouldn't have cashed the check. That is an issue separate from the banking side.