New Posts  All Forums:Forum Nav:

Hmm. - Page 2

post #16 of 76
Quote:
Originally Posted by tiggy2

I would tell them at this late date it's cash only. Come pick up the check and bring me cash if you expect to have a cake at the wedding. Them misplacing the contract or being unorganized isn't your problem.



I have to agree with this 100%. If they have the money to write a cheque, they have the money to withdraw from an ATM and bring to you directly.

You can be as nice as pie when you call/email them to organise this, no need to be horrible, just calmly state "I am sorry about the mix-up in gettng emails on time, however, my last email still stand. I cannot accept cheque as paymrnt at this late stage. Please have someone bring me the balance due in CASH ONLY, otherwise I will not be able to supply your cake for your wedding."

Life's too short to make cake pops.
___________________________________
www.sweetperfection.com.au

www.sweetperfectioncakes.blogspot.com.au/
www.facebook.com/sweetperfectioncakes (come visit sometime!)

Reply

Life's too short to make cake pops.
___________________________________
www.sweetperfection.com.au

www.sweetperfectioncakes.blogspot.com.au/
www.facebook.com/sweetperfectioncakes (come visit sometime!)

Reply
post #17 of 76
Thread Starter 
*sigh*

You are right, my bank will not cash a business check...I forgot about that.

I already talked to her today and grudgingly let it stand at being sent a check. So I really can't go back on that...

I wonder if the bank would call me when it clears? Or if it does not? Because if it doesn't clear, I don't care if I baked the whole cake, she won't get it....

I'm upset because our cell phone signal is bad today so I am having a hard time communicating with anyone....as it was, when I was talking to the lady the first time we got cut off.

I dunno, I'll just say it...I'm a big, fat wimp!!!! I had her on the phone and I should have said "I'm sorry I cannot take your check." But I didn't. So now it will be my fault if this bites me in the butt.
post #18 of 76
Thread Starter 
And incidentally the bride never wrote me yet today to reply....she is either THAT busy...or she wants nothing to do with her mom's problem, I guess.... they were such nice people but they're weirding me out now.

(I actually dialed what I thought was her cell number today but it ended up being her mom's....)
post #19 of 76
Thread Starter 
AND I probably need to give myself more than 10 days from now on, on my contracts...
post #20 of 76
You can go to her bank when you get the check to make sure it will clear before you deposit it at yoru bank. If the funds aren't available I wouldn't deposit it. I would call and let them know it wont clear and I need cash.....and don't back down at that point.
A balanced diet is chocolate in both hands!
Glenda
Reply
A balanced diet is chocolate in both hands!
Glenda
Reply
post #21 of 76
Thread Starter 
Quote:
Originally Posted by tiggy2

You can go to her bank when you get the check to make sure it will clear before you deposit it at yoru bank. If the funds aren't available I wouldn't deposit it. I would call and let them know it wont clear and I need cash.....and don't back down at that point.



I thought of that, but would the bank tell me that? Isn't that personal information they would keep to themselves?
post #22 of 76
Quote:
Originally Posted by Kitagrl

AND I probably need to give myself more than 10 days from now on, on my contracts...



Yep! thumbs_up.gif
Tact is telling someone where to go so nicely they can't wait to take the trip!
Reply
Tact is telling someone where to go so nicely they can't wait to take the trip!
Reply
post #23 of 76
It's been my experience that the customer's bank will tell you if the customer's check will clear based on today's available balance (but they won't give you the exact balance). Of course, the balance may change between the day you ask the bank and the day the check clears.

This seems like much ado about nothing IMHO. How many times have you had a check bounce AND were unable to easily resolve the situation, including reimbursement for the NSF fee? If you were providing bail bond services it would be a different story, but we're talking about wedding cakes here.
post #24 of 76
It's simple, really. No cash....no cake.
Trust in the Lord with all thine heart, and lean not unto thine own understanding. In all thy ways acknowledge Him, and He shall direct thy paths. Prov 3:5-6
Reply
Trust in the Lord with all thine heart, and lean not unto thine own understanding. In all thy ways acknowledge Him, and He shall direct thy paths. Prov 3:5-6
Reply
post #25 of 76
Try taking the check to her bank and ask to have it certified. There will be a small fee for you to pay, in Canada it is 15.00, then it is guaranteed funds and you can deposit it to your business account with no worries.
post #26 of 76
Thread Starter 
Quote:
Originally Posted by yvonne123

Try taking the check to her bank and ask to have it certified. There will be a small fee for you to pay, in Canada it is 15.00, then it is guaranteed funds and you can deposit it to your business account with no worries.



Hmm I'll have to ask about that.
post #27 of 76
Quote:
Originally Posted by jasonkraft

...This seems like much ado about nothing IMHO. How many times have you had a check bounce AND were unable to easily resolve the situation, including reimbursement for the NSF fee? If you were providing bail bond services it would be a different story, but we're talking about wedding cakes here.



Jason, to me it's not so much about how many times it happens it's about being smart and playing it safe in the first place. About not setting yourself up for getting screwed. Because once it does happen it is roaringly frustrating.

I mean brides are fixing to change names and potentially merge checking accounts if the bank account gets closed you're in for an even harder fight.

It's not much ado if you've been through it once or twice.

Yvonne, I've never heard of the certification to guarantee funds thing after the check has been written but that'd be pretty cool!
love me some cake buzzzzz

 

Reply
love me some cake buzzzzz

 

Reply
post #28 of 76
Jason I don't think you have been burned yet or enough times yet to be as cynical as us old timers icon_wink.gif Like I said before. We are usually dealing with large sums of money not $30 or $40 dollars here, there, or yonder. We are talking at least a few hundred dollars or much more. I know that I don't have alot of "float" money. If someone writes a last minute hot check to the tune of $500 and it takes usually 30 days or more to recoup that and the small fee you can charge to offset the returned check fee, what generally happens is a business person, especially custom cakers like Kitagirl who do this from their homes, they don't do volume enough to have money sitting in their accounts to accommodate a $500 bounced check. Then items they have drawn off the $500 (and it could be quite a few) come through and BAM snowballing of NSF fees and overdraft fees that can easily run into the hundreds. Where are you going to get that back from? You just lost the amount of the price of the cake (cost + your profit) and possibly then some. so what if you do recoup the $500+ from the person...they caused major financial havoc for you and you have no recourse to recoup the additional NSF fees that happened as a direct result of their carelessness or maliciousness. All it takes is ONE time to really do some major damage to your business and your family's wellbeing.

Oh and in my cake business I have never had a returned check back when I was still accepting them. My major burn happened from years of experience in the dance world and dealing with dedicated funds accounts for my dance team. Had a mom accidentally write me a check off a closed account. The funds had already been appropriated. What comes in goes out, no profit on dedicated funds...I was left with a bevey of NSF charges to the tune of over $1800! on a $650 check (granted $650 was part of the $1800) but I had to let that account go because it was a dedicated funds, absolutely NO cushion. I had to pay the items that had returned with something so I had to keep the cash and run it through my operating account to pay the companies I owed money to. Majority of the checks had gone through twice but because it took me nearly 4 weeks to get the funds from this person, who just happened to be a very wealthy person (go figure) I was in a world of financial dismay and embarrassed that my checks to vendors who had known me forever had been returned NSF due to uncollected funds. After that fiasco, I stopped writing checks myself except for my rent payments, everything else I paid with cash or my debit card. And I adopted the NO CHECKS policy for all my businesses!
post #29 of 76
Thread Starter 
I've had one bounced check in the past but I was very lucky that the payment was made early AND that the customer didn't mean it...and she paid my fee and my payment. The good thing was, she wanted her cake and didn't have it yet, so she was more than willing to pay everything.

If a check bounces AFTER someone gets a cake...in our day, most people don't have enough honor about them to still take the responsibility for the bill, and the baker gets stuck. I never accept checks sooner than 10 days before the date but I felt bad telling the lady I wouldn't take the check she just sent (of course I'll never know if she really DID get my email and just pretended she did not see it.) Usually when I have pickup orders I allow the balance to be paid at that time, but ALWAYS in straight cash. But deliveries always have to be paid ahead.

Well hopefully it comes in the mail today.
post #30 of 76
And I mean besides all that how many families are overflowing with extra funds or even enough funds the week of a wedding? They are usually all hunkered down & finished spending--they are in 'let's get it over' mode. It's scarey to a vendor.

I hope you get your money without a hassle!!!
I know you sure as shooting deserve and have earned it.

My last encounter was with this most unscrupulous person. I countered months of her deviousness & at the end she had only signed her first name to the check grr so she says well write in my last name. Aghh no. If I had done that she could have bounced it back on me. I finally took it to her bank when she was at work so her bank could call her on the spot about the signature eff up. Ask her whether it was a legit check from her. I got my money--sweetest twenty bucks EVAH!!!

She worked real hard to screw me which totally motivated me to work that little bit harder to get my money! Stuff like that you start building hedges.
love me some cake buzzzzz

 

Reply
love me some cake buzzzzz

 

Reply
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Cake Decorating Business