European Stars And Stripes (Newspaper) - June 5, 1985, Darmstadt, Hesse                                The stars and stripes june checks and balances Mak Batch be painful we in extreme if can destroy your military career Ron univ re Bob hover staff writer bad checks t and making the Community bad Check list can be just the beginning of that Many people on such lists arc irritability and loss of sleep arc common among serious offenders often end up in the command some on bad Check lists project some accept their Fate with some arc most arc intimidated by the paper Drill they must undergo to restore their Check writing who have been put on lists by banking denounce the dealing with a variety of bad Check lists compounds the its possible to make As Many As seven such lists at army communities in sometimes individuals Are in the Field when notifications Are sent some times notifications Are delayed in the some times they Are not received at air Force communities usually use two or three Navy overseas installations commonly use a single the criteria for making the lists penalties and procedures for Clearing lists also getting messed up with bad Check lists is a pain in the an army specialist 5 its damned and it All happened for a Lousy Check that failed to in the worst compulsive bad Check writing has ruined military in other Security clearances have been promotions delayed and reenlist ments for the Many thousands who make up the vast majority of bad Check listings in the consequences Are less at the very the lists Are a always resulting in temporary loss of Check cashing and frequently bring embarrassment to the Check financial Counselor blame delays in paperwork for Landing some people on the lists and for keeping others on lists longer than in a single bad if made up should not result in a bad Check in Many make the lists with a single Check because of delays in people end up on the lists when they learn too late Treyve written a bad said Diane the financial Counselor at army Community services in sometimes individuals Are in the Field when notifications Are sent sometimes notifications Are delayed in the sometimes they Are not received at Garlock mistakes by financial institutions frequently Are blamed by the Public for bad Check but statistics show that Only a Small percentage of bad Check listings result from banking when such errors arc the names of the individuals involved Are removed from bad Check and All references Are stricken from their military but correcting Bank errors takes and the Check writer May be hassled even when the listing is not his a civilian lawyer made army bad Check lists when his pay was not credited to his account for consecutive pay i was bouncing checks right and i had no idea my account was the lawyer 1 got things sorted but it want a Soldier bounced checks after a Bank in the United states transferred her account to another in her move to the woman failed to receive notification of the through no fault of her she kept writing checks on an account that no longer said Bruce Trost of the Aschaffenbur it was a bizarre but we finally got things while such cases Are in More than nine of every 10 bad Check individuals involved have overdrawn their in its possible to end up on seven bad Check As the focus of Community Check monitoring the Frankfurt Check control office publishes a bad Check list and exchanges information with other Check cashing additional lists in use in the Community Are maintained by the 18th area finance support the the class i the club system and military while there is some overlap of they vary widely because of differing criteria for maintaining under co the firs time offender gets 20 Days to make a bad Check Good or be put on suspension for six for two bad the offender goes on the co list for a and for three or More bad the penalty is three cafes gives bad Check writers 30 Days to make or go on its list for six two checks bounced at cafes within six months also result in six months three or More bad checks bring a two year the 18th finance Center gives the first offender a week to make restitution but puts the second time offender on its list clients May be on other bad Check but 18th finance will Cash their checks As Long As they have not cashed a bad Check with said 2nd Cash control Usa eur commissaries record the social Security numbers of bad Check writers the current list contains the first Check in the commissary is with the second bad the individual goes on the list for a said Tom who is responsible for finance and accounting at army commissaries in if three or More bad checks Are the writer goes on the list for three the army class i Agency takes a More lenient attitude toward bad we use the list Only for those who have failed to pay Over a Sixto eight month period and owe us a lot of was bouncing checks right and i had no idea my account was Emp i got things sorted but it want said Donald the manager of the class i services were just interested in getting our our list is less than a but where individuals have written a number of checks and owe us a lot of we have asked the Cid for the Frankfurt club system maintains its own bad Check list supplemented by the cafes and co lists in addition to the loss of Check cashing privileges those who write bad checks Are subject to penalty commissary system and the i Agency assess no but ashes and military banking facilities a bounced Check at cafes results in a administrative charge plus any Bank charges passed along to the for each Check that fails to Clear a american express charges the charge is for a Check overdrawn from a military banking financial Counselor and Legal assistance lawyers say some banking clients have been dealt with even the first dishonoured Check in the commissary is with the second bad Check the individual goes on the list for a when trying to Settle bad Check problems As quickly As american express officials insist that is not the its the commands and not the Bank that puts most individuals on bad Check said Pete the manager of payment services for military banking in to collect on dishonoured the Bank sends out a series of notices at 10day the process begins with a phone Call from the Branch banking facility to the writer of the dishonoured who is sent a written notice by mail the same if no Effort has been made to Contact the the second notice goes out 10 Days and a copy of it goes to the unit failure to Settle the account a third notice 10 Days later and a final demand for payment in another 10 if the individual responds in any the second notice wont go said Ray manager of credit services for military we do not penalize people but once we realize they Are trying to avoid we must take Strong air Force Check cashing activities in Europe use mar welfare an recreation and cafes lists to screen bad Check mar lists cover club and other recreational at Hahn the penalty for a single bad Check is 30 Days on the mar firs time offenders who redeem bad checks after 30 Days Are removed from the those who Bounce two bad checks make the Hahn list for six offenders who write three bad checks Are put on the list at Rhei main an official said the mar list is an effective except for transients who Cash checks and then the Safe class i Agency uses the cafes bad Check list and Safe commissaries Monitor bad Check writers by listing their social Security in the United the Navy Exchange maintains bad Check list that is shared by Exchange outlets and Navy the Navy Exchange distributes a similar hot used by facilities in Gaeta Pineta Mare ba80ncrete and Souda Manuel the Security manager of the Naples says the current list contains about 500 the writer of a single bad Check is removed from the Nap is list As soon As the Check is made two bad checks in a oneyear period bring a six month suspension of Check cashing up to five bad checks in a year draws a years suspension and More than a two year in the United the Navy uses a contract provide a single computerized bad Check Menchaca in ill cmdr David the Navy Exchange officer confusios1 Kingdo favors the single 1st to avoid with the varying criteria applied to the the