I had recently been involved with a check cashing opportunity (I thought) from a company named Senimatics UK. They were using a check writing service named "Qchex". Well you should know about this story. I was burned for $2,890.00 in BAD checks that my bank returned to me. Thank God I had the funds to pay back the bank.
When I contacted Qchex and complained to them that certain companies are using their services for fraudulant and illegal activities, they e-mailed me back with a computer generated response. I feel they are in cahoots with these bogus foreign companies. Read the following, and see how they deny all consumer protection responsibility.
What a bunch of CROOKS...THUGS...AND THIEVES.
Dear Nicholas
QCHEX is a check delivery service providing you the advantage & convenience of today's technology. You will be notified by email that a QCHEX has been sent to you. By clicking on the link in the body of the email, you will be able to view and print your check. As a recipient of a QCHEX, you can print your check using an inkjet or laserjet printer. We recommend that you use blank check security paper (VersaCheck Form 1000), and VersaInk (magnetic ink cartridges for inkjet printers), or MICR Toner (magnetic toner for laser jet printers). These supplies can be purchased at
www.versacheck.com or at your local office supply store.
You may have received your QCHEX through the US Postal stream as opposed to through email. You just need to endorse this check and cash/deposit this check into your personal account.
It is important to understand that QCHEX is not a banking institution and cannot provide information regarding the checking account or the available funds in that checking account.
The authentication code that is printed on each QCHEX is an identification code in the QCHEX system- it does not validate the funds in the checking account.
To verify funds, you should contact the payor to discuss this point. You may also elect to contact the bank, located at the top-center of the check, to verify the account or availability of funds.
If you do not recognize the payor, or are not expecting a check of this nature, you may want to closely consider your actions. Depositing this check into your own account will expose your account information to the payor.
You must make your own independent determination regarding the statements and representations of the other party. Please visit
www.QCHEX.com and select SECURITY and/or TERMS OF USE for additional tips on Fraud Prevention. These links are located at the bottom of the QCHEX home page.
We have listed some of the information we provide to our users to protect them from fraud below.
If you feel you are a victim of fraud please contact your local police department. Qchex has information that may be helpful in an investigation.
Then, have the local police dept fax to us on their dept letterhead a request for information, we can provide some information that may assist with an investigation.
They can fax their request to: 858-675-0579
FYI, following is information as to how the Qchex check delivery service works:
Qchex is a fast and convenient way to send and receive checks.
We provide a delivery service that is faster and less expensive than ground or air mail. However, many individuals and businesses accept checks via email, fax, phone or mail without practicing due diligence. Qchex is helpful in the event of fraud because we have electronic data that can be helpful in an investigation, but we have no way of verifying the information as our service is meant to encrypt data so that it is safe on the internet not to verify or guarantee funds.
As stated under "Security" at
www.qchex.com "As a convenient online finance manager and check/bill delivery service Qchex does not endorse, guarantee, verify or investigate transactions undertaken by its Members."
and,
" What can you do to conduct safe transactions and prevent fraud?
Conduct transactions with people and companies that you know and/or can trust with your financial information. However, whether we use the Internet or conduct transactions face to face, there is no perfect security against dishonesty and deceptive practices.
Some steps that everyone can take to reduce the risk of fraud include making sure you:
are careful with new customers or businesses you've never dealt with before.
verify the authenticity of a check or credit card before providing services or shipping goods.
gather details before you deliver check or credit card information. E.g. make sure:
you know how to establish contact via telephone, fax and/or email if questions arise
you understand how the service will be provided
you know when and how the goods are to be delivered
the Merchant promptly provides order, shipment and tracking data"
Do not accept checks or any other form of payment from anyone asking you to send merchandise to Indonesia.
If you receive a check that is returned for any reason,
then you must undertake collection efforts on your own.
Only the Payee and Payor have sufficient knowledge to
understand, evaluate and complete their transactions.
Please see the first two paragraphs of the Qchex
Terms of Use here:
https://www.qchex.com/terms.asp
View our Security information here:
http://www.qchex.com/security.asp
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-----Your Support Request-----
Request #: 148340
Name: Nicholas
Email:findme93@aol.com
Phone:724-555-1212
Subject: Fruadulant Checks
Issue Description:To whom it may concern: I received TWO fruadulant checks from Qchex. Tracking code #M8VV-65LV-G5R #M8VY-65LV-G5R The amounts were $1,257.00 and $1,633.00 Made payable to myself. Both these checks bounced and were sent back to me due to the account being closed. These checks were from a Dorath Cubbin Blake a supposed customer of Senimatics UK. This account has been closed and upon my further investigation, Senimatics UK is a scam company, that is using your service to pass phony checks, from stolen or bogus account numbers. We also suspect that Qchex is aware of this problem and may not be checking these account numbers to begin with. I do have the original checks in my possesion and am preparing to contact the FBI and further Authorities to see who will be responsible to reimburse the money I lost. Your response will be greatly appreciated.
Regretfuly,
Nicholas