I believe its all been said, except in my case he wrote up a contract stating that he would not deposit my check until a certain date, and rather than go through my bank he went through some teller check that guarantees checks from people who write bad checks. I have never written a bad check. In fact I write about 5 checks a year, well he cashed this check with telecheck over a week early ( days after he wrote up contract). Sending my account so negative it will take me months to catch up. He continues to try to blame me and say he has done his job when in reality he has done nothing but belittle, offend, and blame me.