Mesa Self Storage in Pueblo CO Got Bank Overdraft Because This Storage Place wants to cash all checks in One Lump Sum Instead of Monthly Pueblo CO

Well maybe we should take the contract in front of a judge to determine if being cashed by the 15th means being cashed by the 15th or means by the 27th or any other day past the 15th of the month?
- Pehaps you should do that. It will give you a very good lesson in managing your bank accounts and responsibility in general. I can guarantee you that there isn't a single judge that will interpet that contract as giving you free rent if they fail to cash the check by the 15th of the month. Which is effectivly what you are claiming.

Everything needs to be in writing!!!!
- This is where your argument fails...again. Because you previously stated that you "called" them. Why would you call them if the contract was so concrete in what it stated? The fact is that contract doesn't state that..you know that...and are now trying to blame them for your mistake. Even if their statements when you called them gave you the impression you  would get free storage. You can't override a written contract with verbal statements. So a judge is going to want to see something in writing where they stated that you are going to get free rent for the previous months.

There are also complaints on this storage facility on FB and other places on the internet ive looked, same thing everytime someone comes to pay cash, no one answers the phone and no one is there to take the payments.
- Then why didn't those complaints bother you before you rented a unit? Sounds like your lazyness is showing up again. Why didn't you stay with the other rental location that you say is so much better?

If you are not going to be around to make payments, have a webpage with an option to pay by debit card, because my payments with every place is in perfect order and I bet I have a higher credit score than you do!
- You never stated you had an issue making your payment or that they claimed you never made the payment.  So their availability doesn't seem to have anything to do with this.   With your payments in "pefect order" doesn't take away the fact that because of your poor account management skills you spent the money that was allocated for the storage on other bills.

Perhaps if you didn't do that you would not be as much in "perfect order" as you are claiming. Because again according to your narrative, had they cashed the checks sooner, you would have had less money to put on other bills. Which would give you the choice to either become short on those bills(and perhaps not as perfect), or to overdraft.

Your signature on a check is your pledge that the funds will be available when that check is presented for payment. You violated that pledge. You also failed to comply with your agreement with your financial institution; therefore, any resulting overdraft penalties are totally your fault.

Our legal system is too busy to consider your frivolous complaint, so don’t expect a judge to entertain your outlandish claim.

 Y-O-U are too lazy to keep a written record of your account usage! If you would have, you would have already removed the amount of those checks from your account and adjusted you running balance accordingly! THAT is as OBVIOUS as the rising sun!

That's not going to fly in court.  Why?  Because the owner's decision to decide when he/she decides to cash a check is the owner's decision - not yours.  And no, whatever you think the contract says....doesn't.  Let me give you an example you should be able to see - assuming you look at this rationally:

Let's say you work full-time for me.  I must pay you weekly for 40 hours either per a contract, or by law.  Now, my obligation is to pay you for those hours.  Once I write that check to you to pay you for your hours worked, then it falls upon you to deposit your check because I cannot force you to do that. 

Further, there is nothing either under State or Federal law, that requires you to cash your check.  Now, obviously you cash your paycheck because like most people, you have obligations for housing, food, etc....  However, some people I knew way back when would not cash a paycheck for weeks or even months - or find out weeks later, that their paycheck was lost. 

In fact, if you had lost a paycheck, then I still have an obligation to replace that check since I technically haven't paid you for those hours.  I can't tell you tough %$#@ because you chose not to cash your paycheck.

This last part is where your argument falls apart.  Had the storage facility lost your check, or it was destroyed in some fashion, then you would still be obligated under your contract to pay that amount since you technically never paid for that month. 

You are obligated to pay for your storage but you cannot hold them to when they decide to cash your check because it's their money, and you have no obligation to tell them what to do with their money.  Now, to a couple of things in your narrative:

I paid other bills and I do not keep a high balance of $1,000 or more in checking, cash it when your contract states or don't cash it at all!!!  If you looked online and saw your balance was over $1,000 and 2 of your checks hadn't been cashed, then you didn't have $1,000 in your account.  That would be the first thing the judge is going to tell you.  Second, and I already said this:  You cannot force anyone to cash a check if they choose not to.  Even if they lose the check, you are obligated to replace the check.

....my guess because they wanted to make extra cash and the wife, is lazy, she does not want to check the black box....  Just how exactly do they make more money by not cashing their checks??  Those overdraft fees you paid went to your bank - not to the business.  I mean clearly you have no concept of how any of this works.  The storage company makes no additional money by not cashing a check.  I suspect their accountant somewhere along the line looked at the deposits, looked at the outstanding receivables, and figured there were checks missing somewhere along the way.  Is someone there probably lazy?  Sure, and by being lazy, the only people they hurt is themselves by not cashing your check.  The only way you get hurt is if you don't manage your accounts properly, and by what you wrote, yeah...you don't do a particularly good job of that.

I will be filing a complaint with the bbb as well!!  I think someone mentioned that complaining to the BBB is a waste simply because the BBB is a paid shill for businesses.  However, a complaint to the BBB because a business doesn't cash its checks?  To some people, that wouldn't necessarily be a complaint.

I mean you should go to court - I think you're going to get a wonderful lesson on the law.  I mean you're going to lose the case because you cannot force anyone to cash checks, or how to handle their finances.  You are also going to learn that your $1,000 system....doesn't work without a check register.  Once you figure this stuff out, then you will never make that mistake again, especially in a town like Pueblo.

You state: "The contract stated that they won't cash the check until the 15th, but no one with any sense would take that as meaning they couldn't cash them afterwards."

Well maybe we should take the contract in front of a judge to determine if being cashed by the 15th means being cashed by the 15th or means by the 27th or any other day past the 15th of the month? Let's see if a judge has any common sense to determine if a contract which you wrote and signed to determine if being cashed by the 15th means the 15th??? And let's see if a judge has enough common sense to see if your contract states that you will be cashing checks all together in one lump sum.

I also have B&F Mini Storage and when I give them the check, she has it cashed the very next day, they always get paid and on time. No complaints from them or for them.  If you are running a business, you need to be a little more diligent on your own records and on your contracts. If the 15th doesn't mean the 15th then put in writing, "WE RESERVE THE RIGHT TO CASH CHECKS IN ONE LUMP SUM TWO- THREE MONTHS LATER IN A LUMP SUM AFTER THE 15TH OF THE MONTH" Everything needs to be in writing!!!!

U obviously don't know how to run a business right.  There are also complaints on this storage facility on FB and other places on the internet ive looked, same thing everytime someone comes to pay cash, no one answers the phone and no one is there to take the payments. If you are not going to be around to make payments, have a webpage with an option to pay by debit card, because my payments with every place is in perfect order and I bet I have a higher credit score than you do!

I followed our written contract signed by you and by me, pay by the 1st and will be cashed by the 15th every month! Those were you're written contract "rules." That is exactly what I did, I paid by the 1st and had the money in the account by the 15th of every month as YOUR CONTRACT CLEARLY STATES.

I didn't write the contract, you all did! I followed them, I even called every month to see why my checks weren't being cashed and the response the 1st time was, it takes one month, ok well based on your response, I left it in there one month, then the 2nd month came and gave my 2nd check by the 1st to be cashed by the 15th, and still my check was not cashed, so I called again and the response this time was you are cleared for storage rental until next month, I'm like ok, well I'm just wondering why my checks aren't getting cashed.  The 3rd month came and I again put the check by the 1st of the month just like their contract states, and the money will be in there.

yet again by the 15th but now come to find out my bank charged me 2 over draft fees cuz she didn't make it to the bank every month and decided to wait until she has time, which was not by the 15th as her contract states, and caused me two over draft fees.

As I said, I do not carry high balances in checking, I keep what I need in there and if you don't cash it by when you state, then the money goes to another bill.  I followed your contract, you should follow your own contract!

You obviously don't keep a Written Register of your account(s) and because of that are trying to blame others for your mistake.

people in Pueblo cannot afford that, in case you don't understand Pueblo, doesn't have high paying jobs like Denver, we live paycheck to paycheck and I expect those checks to be cashed monthly by the 15th like your own contract states
- Being able to "afford" this has nothing to do with when they cash the checks. Living "paycheck to paycheck" has nothing to do with this, and what you "expect" is 100% WRONG.

The fact is that the overdraft fees you incurred are 100% YOUR fault. The contract stated that they won't cash the check until the 15th, but no one with any sense would take that as meaning they couldn't cash them afterwards.

Had you kept a written register when you wrote the checks you would have written down the checks and removed them from your available balance in your register. Then it wouldn't matter if they cashed them on the 15th or 3 months later you would have already accounted for them and not spent the money on other items.

Now, if you HAD to spend the money on other bills and they just happen to work out because the checksweren't cashed yet, that tells us that you are living beyond your means and really can't afford the Storage Unit. Which then makes it probably a good thing that you didn't rent that additional unit.

Oh and don't even start on the "Oh I don't have time to write down every transaction", or the dozen of other tired exuses.  As it takes about 30 seconds to do and if you don't trust  yourself with the math.  If your phone doesn't have a calculator,  you can pick one up at your local dollar store.

I will be filing a complaint with the bbb as well!!
- I won't even go into how laughable that statement is..

You caused the overdrafts. You gave the storage company the checks. Doesn't matter when they cashed them. You should have left the money in your account to cover the checks. But you decided to spend that money on other things.

Then try to blame the company for your decision. The rest is just window dressing to try to justify your victim status. No rip off, just a lack of financial responsibilty on your part.