How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask MShore Your Own Question

MShore
MShore, Attorney
Category: Legal
Satisfied Customers: 25285
Experience:  Negotiate, Draft, and Review many complex commercial agreements each year.
Type Your Legal Question Here...
MShore is online now
A new question is answered every 9 seconds

I have belonged to Les Bois Credit Union in Boise, Idaho for

Resolved Question:

I have belonged to Les Bois Credit Union in Boise, Idaho for 15years. Have had good service up until the last few years when it became necessary to look for another credit union. In June 2012, I received an inheritance from the passing of a family member and placed it temporarily in Les Bois CU while researching other options. Towards the end of June, I opened an account at Idaho Central Credit Union and proceeded to gradually transfer funds to that credit union. At the time of all of this, I was an affilate of ZeekRewards, an MLM company and was purchasing bids with my inheritance funds in Les Bois CU. The $$ were made into Cashiers Checks and sent to the company. On Aug 17, 2012, Zeek was wrongfully seized by the SEC. The SEC receivership is now stopped from spending further monies of the company due to our filing a court case and the judge finding evidence pertinent to do so. When the SEC seized the company, I checked to see if any of the recent Cashiers Checks sent had not been deposited yet by Zeek and found a large amount had not. Les Bois stopped payment on them and put the funds back into my account. On Sept 19, 2012, I received a call from Les Bois that the SEC had demanded the reversal of those stop payments. During the time between Aug 24th when the stop payments went through and Sept 19th when I received the reversal call, I had continued to transfer funds to Idaho Central CU in preparation to close the Les Bois account. The reversal of the Cashier's Checks suddenly put my account in a deficit. MY QUESTION IS THIS: Unbeknownst to me AND not told to me on the day I received the call that my Cashiers Checks were being reversed, the CEO of Les Bois CU placed a stop payment on a PERSONAL $20,000 check of mine (written Aug 30th and cleared by Les Bois Aug 31st) that I had written to Idaho Central CU in the continuing process of moving my accounts to them. On Sept 24th I received a copy of the stop payment on my personal check from Idaho Central CU along with a charge for doing this as Idaho Central CU thought "I" had placed the stop payment. I visited them, the manager called Les Bois CU in my presence. The staff did not know the personal check had been stopped and after placing us on hold came back and told us that "they were not allowed to discuss the situation" and that "the Les Bois CEO had stopped it and would be contacting me the next morning, Sept 25th." I have NEVER received a call from the Les Bois CEO. I have placed many calls requesting to hear from him with NO response. I have had the manager of Idaho Central CU contact them again in my presence and still NO RESPONSE. I have also not received ANY communication from them in writing concerning this matter. Idaho Central CU is perplexed that the Les Bois CEO could put a stop payment on a personal check that had been cleared for 20 days! But nonetheless, it has been done. Is this legal???? Nothing in my contract addresses this. I cannot get the NCUA to respond to me. I have contacted the Attorney General's office, who sent me to the Department of Finance, but they state they have no power to do anything except send my info to Les Bois and Les Bois's info back to me. I'm at a loss here.
Submitted: 1 year ago.
Category: Legal
Expert:  MShore replied 1 year ago.
Thank you for the post, I am happy to assist you by answering your questions. From your description the CEO did not have the authority to place the stop payment on the check as no federal agency directed him to do so, nor did you authorize the same. You should consider retaining counsel to pursue the bank on your behalf seeking reimbursement for your losses. Please let me know if you need additional guidance or have any follow up questions.
Customer: replied 1 year ago.

On the "cashiers checks" I was told that Les Bois was told by the SEC that the reversal of the stop payments were demanded as they specifically had to do with ZeekRewards. But there was "nothing" linking my personal check to ZeekRewards. So, if I understand correctly you are telling me they would have had to have had "proof" of my personal check having anything to do with ZeekRewards?

Expert:  MShore replied 1 year ago.
Yes, that is correct.
Customer: replied 1 year ago.

Thank you. I will look for counsel in this area.

Expert:  MShore replied 1 year ago.
Thank you Tess, please remember to positively rate my answers.
Customer: replied 1 year ago.

May I ask one more question? What background in an attorney would I be looking for in this matter? I do not use attorneys for the most part, but realize I need someone versed in ....banking? SEC? contracts?

Expert:  MShore replied 1 year ago.
Certainly Tess, a civil litigation attorney whom has experience with banking disputes would be best suited to represent you in this matter.
MShore, Attorney
Category: Legal
Satisfied Customers: 25285
Experience: Negotiate, Draft, and Review many complex commercial agreements each year.
MShore and 6 other Legal Specialists are ready to help you

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan
 
 
 

Meet The Experts:

 
 
 
  • Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
< Last | Next >
  • http://ww2.justanswer.com/uploads/MU/multistatelaw/2011-11-27_173951_Tinaglamourshotworkglow102011.64x64.jpg Tina's Avatar

    Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
  • http://ww2.justanswer.com/uploads/RA/ratioscripta/2012-6-13_2955_foto3.64x64.jpg Ely's Avatar

    Ely

    Counselor at Law

    Satisfied Customers:

    19941
    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • http://ww2.justanswer.com/uploads/FL/FLAandNYLawyer/2012-1-27_14349_3Fotolia25855429M.64x64.jpg FiveStarLaw's Avatar

    FiveStarLaw

    Attorney

    Satisfied Customers:

    8189
    25 years of experience helping people like you.
  • http://ww2.justanswer.com/uploads/jespoag/2008-12-17_222355_jessepic.jpg JPEsq's Avatar

    JPEsq

    Attorney

    Satisfied Customers:

    2132
    Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor
  • http://ww2.justanswer.com/uploads/gsenmartin/2008-04-22_214950_me1.jpg Guillermo J. Senmartin, Esq.'s Avatar

    Guillermo J. Senmartin, Esq.

    Attorney

    Satisfied Customers:

    110
    7+ years of experience handling various legal matters.
  • http://ww2.justanswer.com/uploads/PA/PaulmoJD/2013-10-10_195858_JAImage.64x64.jpg Law Educator, Esq.'s Avatar

    Law Educator, Esq.

    Attorney

    Satisfied Customers:

    31621
    JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
  • http://ww2.justanswer.com/uploads/dkaplun/2009-05-17_173121_headshot_1_2.jpg Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.

    Attorney

    Satisfied Customers:

    15975
    Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.