字醜錯了嗎?簽名「太潦草」 支票慘遭 - 金融業討論
By Skylar DavisLinda
at 2017-01-11T14:43
at 2017-01-11T14:43
Table of Contents
【三立新聞】字醜錯了嗎?簽名「太潦草」 支票慘遭銀行退票
★影片:https://www.youtube.com/watch?v=cvsgNo3qHlI
來源:三立新聞
記者葛柔、孟國華/台北報導
簽名字體太潦草竟成為跳票理由。李先生10月初拿著支票去銀行存錢,當下錢也存進去了
,沒想到幾天後信用卡公司打來說帳戶沒錢無法扣款,這才發現支票跳票了。詢問銀行行
員,說是因為簽名太潦草,但李先生還是很生氣,為何字跡潦草第一時間沒有告知,還要
他自己詢問才知道。
http://attach.azureedge.net/newsimages/2016/12/15/744987-XXL.jpg
銀行人員:「先生,我們臨櫃收的時候不會覺得你潦草,是送到付款銀行,他覺得你潦草
才把你退了,所以我們當時沒有拒絕你呀。」氣憤難平,找銀行櫃員理論,因為被跳票的
理由竟然是字太潦草。
投訴人李先生:「你們臨櫃有臨櫃的機制,我們寫就是潦草,你覺得潦草不行 ,你當下
就要告訴我們不行,你還給我退票,再來一次為了簽名。」
銀行人員:「不是,他審票機制不一樣,有些人不會覺得潦草。」
投訴人李先生:「你這樣講來講去還是我的責任。」銀行人員:「不是你的責任而是發票
行判斷的問題。」
長這麼大頭一回遇到這種事,讓李先生難以接受。看看退票單,理由清楚寫著受款人背書
不清,也就是字體難以分辨,再來看他的簽名確實有點潦草 ,李振奇三個字還真的得要
仔細看。但最讓人不解的,是為何銀行人員第一時間沒有告知。
直到信用卡公司告知款項沒繳,才知道支票跳票了。求證銀行目前沒有回應,他行業者也
解釋,應該是支票的付款銀行無法辨識是否本人背書才會跳票,而基本上在銀行承辦業務
,只要是本人親筆簽名都不會有問題。所以這回簽名字體潦草成為退票理由,也讓投訴人
難以接受。
連結:http://www.setn.com/News.aspx?NewsID=207573
心得:我是覺得支票的背書本來就要寫得可以讓人辨識才對,
不能等到問題發生才把一切責任推給行員。
如果背書的簽名潦草發票行本來就該退票,真的是不關代收行的事。
--
●銀行英語會話●http://www.books.com.tw/products/0010636911
●銀行櫃員單字筆記●http://www.books.com.tw/products/0010690882
●考典2:銀行、各類證照必勝全攻略 http://www.books.com.tw/products/0010651351
--
★影片:https://www.youtube.com/watch?v=cvsgNo3qHlI
來源:三立新聞
記者葛柔、孟國華/台北報導
簽名字體太潦草竟成為跳票理由。李先生10月初拿著支票去銀行存錢,當下錢也存進去了
,沒想到幾天後信用卡公司打來說帳戶沒錢無法扣款,這才發現支票跳票了。詢問銀行行
員,說是因為簽名太潦草,但李先生還是很生氣,為何字跡潦草第一時間沒有告知,還要
他自己詢問才知道。
http://attach.azureedge.net/newsimages/2016/12/15/744987-XXL.jpg
銀行人員:「先生,我們臨櫃收的時候不會覺得你潦草,是送到付款銀行,他覺得你潦草
才把你退了,所以我們當時沒有拒絕你呀。」氣憤難平,找銀行櫃員理論,因為被跳票的
理由竟然是字太潦草。
投訴人李先生:「你們臨櫃有臨櫃的機制,我們寫就是潦草,你覺得潦草不行 ,你當下
就要告訴我們不行,你還給我退票,再來一次為了簽名。」
銀行人員:「不是,他審票機制不一樣,有些人不會覺得潦草。」
投訴人李先生:「你這樣講來講去還是我的責任。」銀行人員:「不是你的責任而是發票
行判斷的問題。」
長這麼大頭一回遇到這種事,讓李先生難以接受。看看退票單,理由清楚寫著受款人背書
不清,也就是字體難以分辨,再來看他的簽名確實有點潦草 ,李振奇三個字還真的得要
仔細看。但最讓人不解的,是為何銀行人員第一時間沒有告知。
直到信用卡公司告知款項沒繳,才知道支票跳票了。求證銀行目前沒有回應,他行業者也
解釋,應該是支票的付款銀行無法辨識是否本人背書才會跳票,而基本上在銀行承辦業務
,只要是本人親筆簽名都不會有問題。所以這回簽名字體潦草成為退票理由,也讓投訴人
難以接受。
連結:http://www.setn.com/News.aspx?NewsID=207573
心得:我是覺得支票的背書本來就要寫得可以讓人辨識才對,
不能等到問題發生才把一切責任推給行員。
如果背書的簽名潦草發票行本來就該退票,真的是不關代收行的事。
--
●銀行英語會話●http://www.books.com.tw/products/0010636911
●銀行櫃員單字筆記●http://www.books.com.tw/products/0010690882
●考典2:銀行、各類證照必勝全攻略 http://www.books.com.tw/products/0010651351
--
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