Eve
Clearwater,#2Consumer Suggestion
Fri, March 15, 2002
To avoid this in the future, before authorizing a check over the phone to replace a "supposedly" lost one, call your bank and put a stop payment on the original (lost) check. This will cost in the range of $30. The only problem you MAY find (and yes, I've personally experienced this) is that the "supposedly" lost check gets deposited, then your bank returns it to the finance company because you put a stop payment order on it, and they then charge YOU an NSF fee!! Also, try sending all monthly payments to questionable creditors via certified mail. This is YOUR evidence of when they received your payment. Helps cut down on bogus late fees too! Institutions are less likely to mess with a payment that has been sent in that manner, as they know the consumer has documented evidence regarding date of receipt.
Eve
Clearwater,#3Consumer Suggestion
Fri, March 15, 2002
To avoid this in the future, before authorizing a check over the phone to replace a "supposedly" lost one, call your bank and put a stop payment on the original (lost) check. This will cost in the range of $30. The only problem you MAY find (and yes, I've personally experienced this) is that the "supposedly" lost check gets deposited, then your bank returns it to the finance company because you put a stop payment order on it, and they then charge YOU an NSF fee!! Also, try sending all monthly payments to questionable creditors via certified mail. This is YOUR evidence of when they received your payment. Helps cut down on bogus late fees too! Institutions are less likely to mess with a payment that has been sent in that manner, as they know the consumer has documented evidence regarding date of receipt.
Eve
Clearwater,#4Consumer Suggestion
Fri, March 15, 2002
To avoid this in the future, before authorizing a check over the phone to replace a "supposedly" lost one, call your bank and put a stop payment on the original (lost) check. This will cost in the range of $30. The only problem you MAY find (and yes, I've personally experienced this) is that the "supposedly" lost check gets deposited, then your bank returns it to the finance company because you put a stop payment order on it, and they then charge YOU an NSF fee!! Also, try sending all monthly payments to questionable creditors via certified mail. This is YOUR evidence of when they received your payment. Helps cut down on bogus late fees too! Institutions are less likely to mess with a payment that has been sent in that manner, as they know the consumer has documented evidence regarding date of receipt.