lcoxwell Posted July 9, 2015 Share Posted July 9, 2015 I am sitting here in tears, completely numb, and at a total loss as to what to do. Thanks to widda brain and a stupid mistake, I am likely going to lose out on the apartment I put a deposit on a few days ago. I am going to have to tell New Guy, too; and I don't even have the words. To try and make a long story short, on Monday, I was a little over two hours away from home, looking at possible apartments. I found one I like and went by the bank to deposit the money I would need for the deposit on the apartment, then wrote a check and gave it to the manager. Here is my problem. Since I am moving, I am in the process of changing banks, because there are no branches of the credit union I have been using in the town I am moving to. I don't have checks yet from my new bank. Anyway, I deposited the money into the new bank and arranged for a wire transfer to the old bank, since I was not in town to deposit the money directly into my old bank. I paid extra money I could not afford, to make sure it was a same day wire transfer. I received an email confirmation from the new bank, saying the transfer had been completed and went online to check the balance to verify the funds had been sent. My mistake was that I did not check the balance at my old bank to make sure they received the funds. Such a stupid, stupid mistake. I should have known to check. A couple of days later, it finally occurs to me to check the balance. I had assumed that my old bank would make the funds available immediately, but they didn't. Because the transfer was arranged online, they hold the funds for 3 days.The funds have not been applied to my account and, in the meantime, the deposit check bounced. Link to comment Share on other sites More sharing options...
hachi Posted July 9, 2015 Share Posted July 9, 2015 Try not to panic. Tell your prospective landlord what happened. Offer to pay the fees he incurs. Things happen. It was beyond your control and if the landlord can't work with you on this, when it is only a 3 day delay, well, maybe you are better off. Link to comment Share on other sites More sharing options...
Carey Posted July 9, 2015 Share Posted July 9, 2015 I think that given they know you are moving, if you explain the situation and show them documentation that you transferred the funds in good faith, they will work with you I bet. It's not like you have a history of it. I think they won't want to lose a good tenant. Take a deep breath and don't panic just yet honey it still might be okay. Link to comment Share on other sites More sharing options...
donswife Posted July 10, 2015 Share Posted July 10, 2015 You might not have lost the apartment talk to the landlord and I bet if you bring a cashiers check that would satisfy them just a stressful time but hopefully it will work out for you good luck Link to comment Share on other sites More sharing options...
Trying Posted July 10, 2015 Share Posted July 10, 2015 I hope you were able to get it all to work out. So many details to keep track of when moving, it's no wonder some things are going to get overlooked! Link to comment Share on other sites More sharing options...
Jen Posted July 11, 2015 Share Posted July 11, 2015 Oh, hugs!!! Deep breaths... I'm panicking for you, so you don't have to! I had something similar happen with the first house Jim and I moved into. I called the landlord immediately and explained the error-- in my case, the direct deposit for my paycheck was unexpectedly delayed. He was exasperated, but he agreed to hold onto my check until the next day. I took him a cashier's check, and he gave me the first check back, so I was able to avoid the bounce-- but he took the opportunity to rub it in a little, and made me promise that it would never happen again. @@ Anyway, it all worked out, but it was crazy stressful. I'm so sorry you're having to deal with this. Just breathe-- all will be well. Promise. More hugs! Link to comment Share on other sites More sharing options...
lcoxwell Posted July 11, 2015 Author Share Posted July 11, 2015 Not wanting to hide things from New Guy, I immediately told him about the situation. He did chide me a little about it, but was not unreasonable or mean-spirited. His advice was to call the manager of the apartment right away, which I did. New Guy and I both agreed it would be better that the manager hear it from me, before he received the notification from the bank that the check had bounced. I explained the situation to the manager, as clearly as I could, even mentioning I had received the email confirmation from my new bank that the money had been transferred, before I wrote the check. As it turns out, another current renter had a similar situation earlier in the week, which went in my favor. The manager simply asked that I write another check. I offered to pay any additional charges that might have incurred, but he said it was not necessary this time. He also thanked me for being honest and for taking care of the situation right away. Anyway, I now have the gate code and I go in about two weeks to sign the lease and pick up the keys. I got the apartment! I feel like I can breathe again, at least until I have to start packing and going through Kenneth's things again. This is so, so hard! Link to comment Share on other sites More sharing options...
SimiRed Posted July 12, 2015 Share Posted July 12, 2015 lcoxwell, so glad it worked out!! And super glad the manager totally understood the situation and did not charge any additional fees. Congrats on getting the apartment!! Link to comment Share on other sites More sharing options...
Carey Posted July 13, 2015 Share Posted July 13, 2015 Yay I'm so happy that it worked out. He could have been a real ass, so kudos to him for being a decent human being ha ha. It was very smart to get ahead of the situation and showed integrity. He will remember that. Link to comment Share on other sites More sharing options...
luvmy2babies Posted July 13, 2015 Share Posted July 13, 2015 Logged in to see how this was going. Glad it worked out. Having moved a few months ago, I'm in no hurry to do it again. Didn't even leave the zip code so I had nothing like this to deal with; but Ugh! So not a fan of moving. Link to comment Share on other sites More sharing options...
lcoxwell Posted July 14, 2015 Author Share Posted July 14, 2015 So not a fan of moving. ^^^^ This is so me right now! I have always hated moving, but it is especially hard doing this alone. I have decided that someone needs to start a charitable organization that goes around, assisting widows and widowers with moving. It should be a team, with a counselor to help work through the grieving and to talk about the memories that sorting and packing all those belongings bring up. Then there should be an organizer, who can assist with all the little details. Add a few people to do the heavy lifting, and to make the runs to the dump or to charitable organizations, and provide the service for free. All the widow/widower would have to do is work with the team and tell them what to get rid of and what to keep. Link to comment Share on other sites More sharing options...
Jen Posted July 15, 2015 Share Posted July 15, 2015 Love, love, LOVE this idea. It needs to be a thing!! ((((Hugs)))) I'm glad everything turned out okay! Link to comment Share on other sites More sharing options...
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