Clipping of news on Brazilian Culture, Law and Citizenship
07/05/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Despite the various methods of payment available in the market, the good old check is still accepted by many establishments and professionals as the only alternative for the realization of installments, and the consumer does not see a sheet for years is in doubt how to proceed to not have a headache. So give some tips on how to write a check.
First, it is good to remember that the check is a payment order to the view, therefore, will be paid at the time it is submitted to the bank. But if the consumer negotiate with the supplier to issue checks with dates after the purchase (post-dated checks), and having the presentation before the appointed day, the consumer has the option to seek Procon or enter your city a lawsuit for breach of contract.
By opting for this form of payment, the consumer should:
- Note on the invoice, and the bead itself: the value, expiration dates and the number of each check;
- Require the receipt, invoice or other document stating that the transaction is being paid through the delivery of checks
- Put on the back of each sheet, the purchase data such as vendor name, purchase amount, that portion referred to check and negotiated date for submission of the same.
Can be negotiated with the vendor that the check is payable to the property, as in the case of salvage title its location will be facilitated. If, for lack of funds, a check is presented to the bank twice, the name will go to the consumer Register of NSF Checks with Fund (CCF) of the Central Bank of Brazil.
The exclusion of the CCF must be requested from the agency that made the inclusion, by providing proof of payment of the debt. The deadline for the bank to delete the account name of the record is a maximum of five working days from the date of delivery of the request of the consumer
Besides the absence of funds, the check can be returned for the following reasons: closed account; stopped check; divergence signature; month spelled numerically, not record amount in words and others that can be found on the website of the central bank.
How to write a check
Bearer checks - should not be given, the beneficiary (the person or company receiving the payment) and the amount of the check must be to R$ 100.00.
Check payable - when the value is from R$ 100.00. Consumers who issue the check should indicate the name of the recipient. It is necessary to put in the back of the check the name and telephone number, due to payment by the bank.
Crossed check - both in bearer check as the nominal puts up two strokes, diagonally in front of the check. By doing so, payment will only be made through deposit account. If the crossing take the name of a bank, the payment should be done just this.
Postdated check - payment is made when presented to the bank, even if issued with a later date. Case is presented before the scheduled day, the bank must pay it or return it for lack of funds. To avoid problems, write on the check: best day to (and date that you want the recipient to deposit).
In the field that is "£" place value in numbers, a tip is to put a sign in front and behind, example # # 70.50;
Space "to pay for the amount of this check" place the amount in words, same value placed on numeral, if seventy reais and fifty cents. The tip here is to take a risk after the value written to the "above and cents";
In the third line, after "the" and before "or his order" fills up with the name of the person or shop to whom you are paying. If payment is negotiated exclusive establishment, before the words "or to his order," tracejar the word "or" and replace with "not" before "his command"
Traits in blank (__________, ___de___________de_____) fill in city name, day, month and year in words that you want to be compensated (São Paulo, July 2, 2013, for example);
In the last line, on your behalf, the consumer signs with the same signature that made the bank to open your checking account.
Overdraft
Arising from a contractual relationship in which the customer is provided a line of credit to cover checks (or liabilities) in excess of the existing value in the current account. By using this service the bank charges interest special to the consumer - the average rate for the month of June, according to research released by Procon-SP is 7.93% per month. So think carefully before using this option.
Note Blog
The supplier is not obliged to accept checks. However, if you do not accept this form of payment, you must report it to the consumer in a clear, precise and ostentatious, with poster in a visible place. When accepted, the check can not be denied to be a recent utility bill, as well as the supplier does not comply with the principle of equality and good faith.
Source: Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.