vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Update: here is a message the seller just sent me. Does this make sense?  I spoke with my bank again and they explained it a little better for me. I guess how it works is they will print out something for you that is called an affidavit in lieu of title that states they are no longer the lein holder and to release it to you. You then take that to the dol and they get it put in your name. He says that's how they do it all the time. When we get to the bank, the teller just verifies the check and I deposit it and they release the funds to pay off the account and that's when you would get the paperwork. You would be there for the whole process so nothing is sketchy. Sorry it's such a pain, I didn't understand how that worked. We've never sold a car with a loan on it before.
"Your arrangements with the bank are irrelevant. Whoever is named on the title of the vehicle owns it. If she is the ""primary"", then I assume her name is on the title, therefore she owns the car. If you drive off with the car and it is titled in her name, she can report it stolen and have you arrested for grand theft auto unless you have a dated and signed permission in writing from her to use the car. Point #2: If a car loan was involved, then you didn't ""purchase"" the car, the bank did. If you want to gain ownership of the car, then you need to have her name removed from the title and have yours put in its place. Since the bank has possession of the title, this will require the cooperation of both your girlfriend and the bank."
"Read the check: it says ""Pay to the order of ..."". It's simply an order from you to your bank to give money to someone. It can be written on anything. Back in the olden days (a hundred years or so ago) it would have simply been a letter to the bank. Those rules haven't changed much with today's automation. What matters is that the order comes from you, which means it must have your signature. If the bank pays a check with a fraudulent signature they're responsible. Granted, banks don't look very carefully at checks any more (I once accidentally swapped two checks when I paid bills, and the phone company simply gave me a $700 credit on my $50-a-month account), but if they screw up it's their problem."
I would steer well clear of this. The risk is that they take your money but don't pay the bank. This wouldn't require dishonesty - what if they run into financial trouble? Any money of yours that they have that hasn't gone on to the bank yet might end up paying off other debts instead of yours. It's not clear if the idea is that you are paying them all the money up front or will be making payments over time, but either way if they don't clear the lien with the bank then the bank can come after the car no matter who is in physical possession of it. That would leave you without either the money or the car. In theory you'd have a legal claim against the seller, but in reality you'd probably find it hard to collect.
You purchased the check from the bank. Your funds have been transferred. If the recipient never cashed the check, the money continues to be the bank's, just as if you had written s normal check that didn't get cashed the money would sit in your account.
"First of all you do not ""co-sign a car"". I assume what you mean by this is that you co-signed a loan, and the money was used to buy a car. Once you signed that loan YOU OWED THE MONEY. Once a loan exists, it exists, and you will owe the money until the loan is paid. If you do not want to owe the money, then you need to pay back the money you borrowed. You may not think ""you"" borrowed the money because the car went to someone else. THE BANK AND THE COURTS DO NOT CARE. All they care about is that YOU signed the loan, so as far as they are concerned YOU owe the money and you owe ALL of the money to the bank, and the only way to change that is to pay the money back."
I actually had to go to the bank today and so I decided to ask. The answer I was given is that a check is a legal document (a promise to pay).  In order to get your money from the bank, you need to sign the check over to them.  By endorsing the check you are attesting to the fact that you have transferred said document to them and they can draw on that account.
"If you can afford it, I would give her the money.  It is likely that she will not pay you back and then you would lose a friend. This friend cannot afford the car.  If you want to be a really good friend, offer different options like buying a junker until she can save up for a nicer car. Based on your comment, I am gathering the following: Sorry to beat a dead horse, but lending the money is akin to giving her the money.  So if you don't want to give it to her, then you can't lend it to her. She has ""car fever"", she thinks she cannot live her life without this car.  She can, and you know it.  In a week or two, she will have forgotten all about it. Since you cannot really say no (for whatever reason) you can ""pocket veto"" the idea through distraction.  Make her do a lot more legwork and in the end she will probably forget about it. So what I might suggest to her is that she goes to a credit union or a local bank to try for a car loan and see what they say.  You might sweeten the deal by saying they typically have lower interest rates then the place that is offering the loan now.  Alternatively you should tell her to let the car deal sit for a couple of weeks to see if you can talk them down on price.  The key is stalling, so the next shinny thing distracts her. Now the dad in me is going to come out, please consider yourself yelled at for these items: Have a nice day."
They can go to an ATM and deposit it in to their account. The ATM does not care to read the name, and the bank does not care to verify anything if the check goes through (meaning the bank it is drawn on pays). So if nobody complains, that's it, he has your money. You would need to go to the check-writer's bank and ask for help, or look at the check-writer's cancelled check copy if you get to it. That bank can find out where it was deposited to, and then you have to go after the guy and get your money back - if it is still recoverable! - if it is a poor sod and he already blew your 5 grand, you can sue his pants off, but there are no 5 grand in them anywhere. So bad luck for you. Technically, the bank is not supposed to accept the check if the name doesn't match. At the counter, that might get a question, but as said above, there are deposit ATMs, and he could also just endorse the check to himself and sign the endorsement with some illegible scrawling, and claim that this is your signature - how would Joe the teller know? Either way, he gets the check in his account, and then he can take it out and blow it. It is legally clearly theft or fraud, and probably a federal crime, but if the guy is bankrupt, that doesn't help you much. Depending on that bank's fine-print, they might or might not cover your loss, but I wouldn't hold my breath. Better don't lose a check.
Sounds like you need to contact your ex and sort it out. If you have co-signed the loan, changes are you are equally responsible even if on party chooses not to pay, then the bank will come after the other one. If you no longer wish to be part of the arrangement and your ex still wants the car, she will have to buy you out of the car and become fully responsible for the liability.
"A check is simply an order to the bank to pay money to someone. The payor's signature on the front of the check is all that's needed to make that order binding. If you read the check carefully, you'll see that it says ""Pay to the order of ...""; that's the payor's instruction to the bank, and as payee you can make a further order, to pay the money to someone else, in which case you'd have to endorse the check to make your order binding. But nobody does that any more; instead, people always just deposit checks into their accounts. When you deposit a check, the payor's signature is all that's needed to tell the payor's bank that it should pay the money. If your bank insists on a signature as well, that's just to pretend that they're paying attention in case it turns out that you stole the check. In reality, banks don't pay attention to signatures, nor to the name of the payee. I once put the wrong check into an envelope, and the phone company got a check for something over $700 on a bill of less than $50, payable to some completely different company; they deposited it and gave me a credit for the balance; none of the banks in the transition chain questioned it."
"The answer probably varies with local law, and you haven't said where you're located. In most or all US states, it appears that after some statutory length of time, the bank would transfer the money to the state government, where it would be held indefinitely as ""unclaimed property"" in the name of the recipient (technically, the payee, the person to whom the check is made payable).  This process is called escheatment.  Most states publish a list of all unclaimed property, so at some later date the payee could find their name on this list, and realize they were entitled to the funds.  There would then be a process by which the payee could claim the funds from the state.   Usually the state keeps any interest earned on the money. As far as I know, there typically wouldn't be any way for you, the person who originated the payment, to collect the money after escheatment.  (Before escheatment, if you have the uncashed check in your possession, you can usually return it to the bank and have it refunded to you.) I had trouble finding an authoritative source explaining this, but a number of informal sources (found by Googling ""cashier check escheatment"") seem to agree that this is generally how it works.  Here is the web site for a law firm, saying that in California an uncashed cashier's check escheats to the state after 3 years. Until escheatment occurs, the recipient can cash the check at any time.  I don't think that cashier's checks become ""stale"" like personal checks do, and there isn't any situation in which the funds would automatically revert to you."
A cheque/check is just a piece of paper.  There's nothing whatsoever stopping her from sticking it in an envelope, putting a stamp on it and sending it via the regular post. The important question is what happens if it goes astray?  How easy would it be for her to stop and replace the check? How easy is it for a dishonest party to deposit the check elsewhere? It sounds like the people quoting you a high price to insure are treating the check as being as good as cash - if that's true then you'd be taking a big risk sending it uninsured.  On the other hand if it's not true and the check is easily replaceable and essentially worthless to anyone other than you then there would seem to be no need to insure it in transit.
Maybe there's more to this story, because as written, your sister seems, well, a little irrational. Is it possible that the bank will try to cheat you and demand that you pay a loan again that you've already paid off? Or maybe not deliberately cheat you, but make a mistake and lose track of the fact that you paid? Sure, it's POSSIBLE. But if you're going to agonize about that, what about all the other possible ways that someone could cheat you? What if you go to a store, hand over your cash for the purchase, and then the clerk insists that you never gave him any cash? What if you buy a car and it turns out to be stolen? What if you buy insurance and when you have a claim the insurance company refuses to pay? What if someone you've never met or even heard of before suddenly claims that you are the father of her baby and demands child support? Etc etc. Realistically, banks are fanatical about record-keeping. Their business is pretty much all about record-keeping. Mistakes like this are very rare. And a big business like a bank is unlikely to blatantly cheat you. They can and do make millions of dollars legally. Why should they break the law and risk paying huge fines and going to prison for a few hundred dollars? They may give you a lousy deal, like charge you outrageous overdraft fees and pay piddling interest on your deposit, but they're not going to lie about how much you owe. They just don't. I suggest that you not live your life in fear of all the might-be's. Take reasonable steps to protect yourself and get on with it. Read contracts before you sign, even if the other person gets impatient while you sit there reading. ESPECIALLY if the other person insists that you sign without reading. When you pay off a loan, you should get a piece of paper from the bank saying the loan has been paid. Stuff this piece of paper in a filing cabinet and keep it for years and years. Get a copy of your credit report periodically and make sure that there are no errors on it, like incorrect loan balances. I check mine once every year or two.
The legal department at the Bank left me a message telling me that the bank check was paid & the recipient got the funds. Call up the bank and find out who the recipient was. Generally it can only be cashed by the person whose name is on it - the original business partner to whom it was intended. It is unlikely to be cashed by the attorney, unless he misrepresented the facts to the bank and got the funds. My question is how could he have cashed it without the original bank check? The other possibility is your mom lost this check, went to the bank and requested them to cancel this and reissue a fresh banker's check and give it to the business partner - in which case the check you had was worthless. You would need to work with the bank and ask them for details. However without the details of the original bank check that you found, it would be difficult for the bank to help you.
"Simple and straight-forward.  ""I'm sorry but I don't co-sign loans.  I've heard horror stories (or had bad experiences if you actually have) about these things going bad and ruining friendships.  Your friendship is more important to me than you getting this car/stereo/whatever.""   You could go on to explain that it's not necessarily a lack of trust in them, but the problem could be cause by things beyond either of your control.  Let's say there's an error at the bank and his payment doesn't get processed on time and it hits your credit score.  Next thing that happens is your credit card company sees the change in your score and jacks up the rate on your card.   Neither of you did anything wrong, but now instead of him just fighting with the bank about the payment not getting processed on time, you are having to fight with your credit card company.  You are both in an awkward situation.  You might get pissed at him (you could make this out to be a failing on your part) even though it wasn't his fault.  Or he might be embarassed to come around even though you know it wasn't his fault and aren't pissed at him."
It is a legal issue for two reasons. In the United States if both names were on the title both people would have had to sign the paperwork in order to transfer the title. If the car was collateral for the loan, then the bank would have had to be involved in the transaction. The portion of the check need to repay the loan would have had to have been made out to the bank. If the car was sold to a dealership, then paperwork must have been forged. If the car was sold to a person then it is possible that they were too naive to know what paperwork was required, but it is likely still fraud. You need legal advice to protect your money, and your credit score. They should also be able to tell you who needs to be contacted: DMV, the police, the dealership, the bank.
The simplest thing to do is still one of the oldest: Write a check.  If you don't have a checking account, you can still probably enter the payment in your bank's online bill pay - In this case they will send him a paper check. There's an irrational desire these days to avoid checks at all costs, which I don't understand.  There's a time and place for electronic transfers and there's no doubt they're often very useful.  This is probably not one of those cases, however, since neither you nor your friend are set up for it.
The point of co-signing for a friend is that they're your friend.  You signed for them in the belief that your friendship would ensure they didn't burn you.  If your friend has hung you out to dry, basically they aren't your friend any more. Before you lawyer up, how's about talking to your friend as a friend?  Sure he may have moved away from the area, but Facebook is still a thing, right?  It's possible he doesn't even realise you're taking the fall for him. And presumably you have mutual friends too.  If he's blanking you then he does know you're taking the fall and doesn't care.  So call/message them too and let them know the situation.  Chances are he doesn't want all his other friends cutting him off because they can see he'd treat them the same way he's treating you.  And chances are they'll give you his number and new address, because they don't want to be in the middle. If this fails, look at the loan.  If it's a loan secured against something of his (e.g. a car), let it go.  The bank will repossess it, and that's job done.  Of course it will look bad on your credit for a while, but you're basically stuck with that.
"they apply it to my next payment That's what my bank did with my auto loan.  I got so far ahead that once I was able to skip a payment and use the money I would have sent the bank that month for something else.  Still, though, I kept on paying extra, and eventually it was paid off faster than ""normal"". EDIT:  what does your loan agreement say is supposed to happen to extra payments?"
A bank needs to make sure they won't lose money by cashing a check. When you have an account with a bank and you cash a check, if the check ends up not getting paid, the bank will take the money back out of your account. This could happen for a number of reasons: the check could bounce (not enough money in the check writer's account), it could be a fraudulent (fake) check, or the payment could have been stopped on that check.  Treasury checks are more problematic for banks than private checks; the government has given themselves more power to refuse to pay a check than the average person has. As a result, banks are already overly cautious about cashing treasury checks. The fact that you have a big check increases the risk for the bank.  You'll have to ask around at different banks to see what they will do for you and what type of fee (if any) they will charge. Some banks might cash it for a fee; others might require that you open a savings account and wait a certain number of days after depositing the check before withdrawing your money.
"Your friend probably cannot deposit the check to your U.S. bank account. U.S. banks that I've worked with will not accept a deposit from someone who is not an owner of the account. I don't know why not. If some stranger wants to make unauthorized deposits to my account, why should I object? But that's the common rule.  You could endorse the check, your friend could then deposit it to his own account or cash it, and then transfer the money to you in a variety of ways.  But I think it would be easier to just deposit the check in your account wherever it is you live. Most banks have no problem with depositing a foreign check. There may be a fairly long delay before you can get access to the money while the check clears through the system.  I don't know exactly what you mean by a ""prize check"", but assuming that this is taxable income, yes, I assume the U.S. government would want their hard-earned share of your money. These days you can pay U.S. taxes on-line if you have a credit card. If you have not already paid U.S. taxes for the year, you should make an ""estimated payment"". i.e. you can't wait until April 15 of the next year, you have to pay most or all of the taxes you will owe in the calendar year you earned it."
From the link you provided, it seems like it can be any payee, as long as the check isn't delivered to your own address. From my experience using three other banks with similar requirements (2 bill pays / month), as long as you initiate the bill pay from the bank's website, it should be okay. You can pay anything that you could pay with a check, such as utilities, rent, loan payments and credit card payments. Payments to friends and individuals is fine also, but it's a little bit of a hassle since you have to tell them what you're doing and ask for the money back, unless you really do owe them money. After three bills have cleared, you can send a secured message through their website asking if the requirement for the bonus has been met. I prefer secured messages to a phone call because it leaves a permanent record.
First step is determine how much equity is in the car (positive or negative). Then for your car payments has that been paid out of money that has already been split or is it from a pool that is still to be slit. If the later, then it is irrelevant to this discussion since it was from a joint pool. If the money has already been split then adjust her half of the equity in the car by what you have been paying an make her that offer for her half of the car.  I recommend showing her the calculations so as to explain how you came with what she is owed and then let her make a counter offer.
I would like to add one minor point for clarity: Cosigning means that you, alongside your friend, enter into a contract with the bank. It does not necessarily mean that you now have a contract with your friend, although that could implicitly be concluded. If the bank makes use of their contracted right to make you pay your friend's debts with them, this has no effect on your legal relationship with your friend. Of course, you can hold him or her liable for your damages he or she has caused. It is another question whether this would help you in practice, but that has been discussed before.
If your friend is paying you same amount as the charge, there should be no problem.  If the friend is paying you an amount in excess of the ticket (or in excess of the club tab in the 2nd example), you need to report the excess amount as income.   I would keep the receipts for the purchases, credit card statements, bank statements, and checks/or electronic receipt show your payment of the credit card.  If the IRS does question these, you tell them what happened and be able to prove that you made no money off the transaction by providing the statements and receipts.
"Sue the friend. When you win, garnish his wages. It does not have to be by so much that it makes him quit his job, but get 75.00 per pay period to come to you. This may require the use of a private investigator but, if you want to make this ""friend"" face consequences, this is your only option. Otherwise, let it go and keep paying his bill."
As long as someone is willing to take it, you can write it!  I personally wrote a check for a new car.   The dealership didn't bat an eye.
The phrase doesn't mean anything specifically. Your SO could start paying the payments, but the title and lien would remain in your name.  If you wanted to change the title or lien to be in her name, you would have to sell the car to her (sales tax would be involved but the process would be relatively painless).  You could sell her the car for a pretty cheap price, but not $1. (unless the depreciated value of the car was less than the rest of the loan amount). You could draft up an agreement that if you break up or something, she agrees to buy the car from you for $x dollars minus all the payments she has made on the car.
This is called a fraudulent conveyance because its purpose is to prevent a creditor from getting repaid. It is subject to claw back under US law, which is a fancy way of saying that your friend will have to pay the bank back. Most jurisdictions have similar laws. It is probably a crime as well, but that varies by jurisdiction.