[bksvol-discuss] OT: re lost checks
- From: Cindy <popularplace@xxxxxxxxx>
- To: bksvol-discuss@xxxxxxxxxxxxx
- Date: Sat, 8 Oct 2005 15:35:02 -0700 (PDT)
-I've had several checks lost in the mail over the
years. It's not good when they are inthe payment of
bills, like my payment to the telephone company
several years ago, and once to a credit-card company.
Then, when they don't receive them, they charge late
fees, although if one has an excellent payment record
they'll take your word for it and reverse the fee. I
had that happen with payment to a city for utillities,
once, too.
Stopping payment on checks is too expensive; I just
write new check and wait to see if the old one turns
up. If it does' I'll have a credit on my account. If
it doesn't, no harm done. Theoretically, checks can't
be cashed if they're over six months or so old.
However, I keep the payment recorded in my checking
account so I always have a little cushion. After
several years, if I need the money added, I do so.
The annoying check-got-lost-in-the-mail incident was a
check I sent to a video rental place for a gift
certificate for a Christmas present for my daughter.
Apparently they never received it, because I never got
the gift certificate, and the check never cleared my
bank. Thinking that was a one-time thing and wouldn't
happen again, I did the same thing the next year and
the same thing happened. I think they just have thrown
the envelopes away without even opening them.
Once, though, agood thing happened. I sent a check to
a person inpayment of something--Ican't remember
what--and it never cleared my bank. I finally called
her and asked if she'd received it. She said yes, and
she deposited it in her bank--so one of the banks
apparently lost the check. She got her payment and I
still had my money. That was several years ago. With
money being electronically transferred between banks
these days, I doubt that could happen again. On the
other hand, there are sometimes technological failures
thatput money from one account to some else's, and
that's a mess to straighten out. Fortunately, that
hasn't hapened to me, but it has happened to a friend.
Cindy
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