Cheque’s haven’t been cashed in 6 weeks

[Bluejam]

I’d like someone’s feedback...please.

I’ve been seeing my therapist for over a year and recently she has stopped cashing my cheque’s. I currently have 4 outstanding cheque’s and my account is going to take a huge hit if she cashed them all at once. It’s got me so angry that I’m thinking of canceling my up coming appointment.

She knows she’s doing this cause she apologized in the last session for not getting to the bank. I’ve offered to e-transfer if it made her life easier and she said it didn’t matter.

Do I have a right to be angry and is it childish that I cancel all further appointments till she cashes my cheque’s? I hate it when therapists are non chalant about these things. I’m so angry I don’t feel like going back to her.

 

[Abstract]

It doesn't sound like she is being nonchalant to me. It sounds like she is overwhelmed and has been unable to get to the bank. After all its her income and she would be a little nuts if she was doing this on purpose. Surely you can allocate that money, know it is coming out and leave it at that? And in the future do an e-transfer. The only impact it should have on you as far as I can see is that you get a bit more interest in your account.

Totally think you are mindreading. None of us know why but I do know a lot of businesses struggle to get to physical banking these days. But if it doesn't work for you this way then do an e transfer.

 

[joeylittle]

I’ve offered to e-transfer if it made her life easier and she said it didn’t matter.

Sounds like it'll make your life easier, and that's also an OK reason to go ahead and start doing this.

 

[gealach]

With today's technology, there's actually no need to physically go to a bank and cash in cheques - you can do it electronically by submitting a photo of them, and it's very quick and easily done.

It doesn't actually matter why your T isn't processing the payments, she just isn't and it's unprofessional, this is a business after all. She is making her problem your problem, and causing unnecessary stress to a client.

It would be entirely reasonable to cancel the cheques with your bank (let her know of course, and in writing), and make new payments for the outstanding amount electronically.

If she doesn't accept the e-payments after x days, those sessions are pro bono. She won't actually want to lose those payments, so that should get her arse in gear to accept them.

 

[Abstract]

I think cancelling them and doing e transfers instead is an excellent idea. Think of a way to take charge of this yourself. Don't let something like this sabotage your therapy if she has been good with that and just useless with this.

 

[Friday]

Yeah, I’d say being angry is childish and misplaced.

You’re collecting interest on money she hasn’t withdrawn yet. That’s not screwing you. The opposite. You write a cheque, that money is no longer yours. Doesn’t matter if it’s still in the account accruing interest, it’s not yours to spend, because you’ve already spent it. The people you’ve promised it to? Have 6 months to collect.

If it bothers you? Open a seperate account for bills paid, move the money for bills into that one as they come up, and write cheques out of it. That way you aren’t spending the same money twice. Or, hell, print a cashiers cheque. Money is taken out right then. Or withdraw cash. Or pay online.

Again, though, that’s all a you thing. She’s not responsible for making sure you don’t spend the same dollar 5 times, you know? How you manage your money is your responsibility. If you choose to write someone a cheque? You’re choosing an option that has a looooong withdrawal period.

 

[Bluejam]

I still don’t understand why it takes her 6 weeks to take a picture of my cheque’s and load them into her account. There is no need to physically go to a bank to deposit a cheque. I don’t see how giving her a cheque or e-transferring is any different, if I e-transfer she still has to accept the transfer of funds. The only difference with an e-transfer, is she has a month to accept the funds before the transaction is cancelled. Being a business owner myself her conduct is unprofessional.

 

[Ronin]

Being a business owner myself

In likely a very different business, and a different position, with a different clientelle.

 

[Bluejam]

In likely a very different business, and a different position, with a different clientelle.

How is that any different? In fact hers requires more sensitivity.

 

[Abstract]

The way the system works over there is obviously very different to here so I can't be of that much use. You certainly don't need the other party to accept a transfer for it to go through here. You also cant deposit cheques without going in physically. As far as a I know with my business,

There is no way of knowing why your t is doing what she does but:
you are making an assumption she doesnt give a damn. When it comes to people having a higher bank balance that doesn't logically compute.

It is unprofessional but in the big scheme of things is it that important? It shouldn't make much difference to you. If you allocate that money and forgot about it it shouldn't take any more energy on your part.

In truth just because she is together in therapy and good at that then it doesn't necessarily follow she is good in all other spheres of her life. What does it mean if she is not very good in certain parts of her life. How are you about people being imperfect. Does it really matter that much if she isnt good at administration.

Her job involves her time being taken up with people hour by hour the whole day so no excuse but that probably leaves less wriggle room. Maybe your business is also centred around you and you also have your time and attention taken up in that way?

Seems sad to give up on therapy that I am assuming you find helpful because someone hasnt taken your money as quickly as they could have taken it, while you get extra interest.

PS. Could this actually be about something else in therapy? That the cheques are a vehcile for you to express that.

 

[Friday]

With today's technology, there's actually no need to physically go to a bank and cash in cheques - you can do it electronically by submitting a photo of them, and it's very quick and easily done.

There is no need to physically go to a bank to deposit a cheque

Unless you’re dealing with identity theft, or client confidentially.

The sites themselves? PayPal, Banks, Credit Unions, Visa/etc.? Are incrediably secure. Gazillion dollar security that is constantly monitored & updated. Phones? Mobile devices? Computers? Aren’t. A keylogger, mirror, or clone (all easily downloadable by any idiot, there’s an app for that!) & voila! Everything you type (including login, passwords, account numbers, etc.) are sent to the person monitoring you. As well as any photo you take. Rough estimate, about 90% of these spyware programs that are used by individuals are sold under “parental controls” or “infidelity/adultery/catch your cheating soon to be ex”... and their legality shifts around a great deal. Even when they’re illegal as f*ck, prosecuting can be such a hassle that it only ever happens when someone is stealing information from major corporations (with lawyers and investigators on staff, so police aren’t having to drop a hundred man hours they don’t have, they’re simply handed a case with evidence to verify, not find themselves). As opposed to an angry spouse digging up dirt on them via “hacking” (snort, this is a very wrong use of the term, an 8yo can do it) their spouse’s therapists phone or computer. Or a client stalking her. Or, or, or.

Which means that a lot of people dealing with highly confidential information -like therapists- may do their personal banking online/wirelessly, but they keep their business banking old school, to protect their clients.

Still, though, she has 6 months -by law- to deposit any cheque written to her. Instead of worrying about her accounting practices, which you have zero right to or control over, it makes more sense to simply alter the way you pay her. Voila! Problem solved.

 

[Bluejam]

Unless you’re dealing with identity theft, or client confidentially.

The sites themselves? PayPal, Banks, Credit Unions, Visa/etc.? Are incrediably secure. Gazillion dollar security that is constantly monitored & updated. Phones? Mobile devices? Computers? Aren’t. A keylogger, mirror, or clone (all easily downloadable by any idiot, there’s an app for that!) & voila! Everything you type (including login, passwords, account numbers, etc.) are sent to the person monitoring you. As well as any photo you take. Rough estimate, about 90% of these spyware programs that are used by individuals are sold under “parental controls” or “infidelity/adultery/catch your cheating soon to be ex”... and their legality shifts around a great deal. Even when they’re illegal as f*ck, prosecuting can be such a hassle that it only ever happens when someone is stealing information from major corporations (with lawyers and investigators on staff, so police aren’t having to drop a hundred man hours they don’t have, they’re simply handed a case with evidence to verify, not find themselves). As opposed to an angry spouse digging up dirt on them via “hacking” (snort, this is a very wrong use of the term, an 8yo can do it) their spouse’s therapists phone or computer. Or a client stalking her. Or, or, or.

Which means that a lot of people dealing with highly confidential information -like therapists- may do their personal banking online/wirelessly, but they keep their business banking old school, to protect their clients.

Still, though, she has 6 months -by law- to deposit any cheque written to her. Instead of worrying about her accounting practices, which you have zero right to or control over, it makes more sense to simply alter the way you pay her. Voila! Problem solved.

You are correct I have choices and cash it will be.