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To make a long story short... We moved into a rental property while trying to find a house. Shortly after we moved in our landlord fired the property manager. We contined to rent from the Landlord for 2 years. In those 2 years the Landlord lost two checks which we had to pay stop payment fees on and was very deliquent in depositing our checks. So we began sending the Landlord Cashier's checks. This way the money was out of our account and upon receipt rent is considered paid. We finally found a house and ended our lease. We had the final walk through and our security deposit was refunded the day of the walk through. Four months later we recieve an e-mail stating that they had just realized they misplaced November's rent check, because it was found in a stack of papers in the office. Well, the check is void after 90 days and the LL tried to deposit it anyway. Since the money is already out of our account, and there is no transaction in my bank records stating it was returned. What do we do? I am not paying double rent, especially after we had the walk through and I have e-mails stating from her all rent checks were cleared and deposited before we ended the lease.
You don't have to pay twice, but I think should at least try to find out with your bank where's the rent money they took out of your account and never made into the LL hands since he didn't cashed it on time. You got a Cashier's Check, the rent money left your account; the LL never deposited it on time so now the check is void. Where did you rent money go?
It doesn't matter "where the rent money is" as the Cashier's check was never presented and has been voided. Ask the LL to return the check to you and then present it to the bank and ask them what would be the correct procedure to re-issue the check. If there is a service charge for re-issuing the check then that would be for the account of the LL so you then deduct all bank charges related to it being re-issued and recompense your LL accordingly. What a pain, and I feel for you!
I ask where the money is since it was never returned to the OP's account after the Cashier's Check wasn't cashed. So if the LL never discovers the error, the bank gets to keep the money?
I agree, it's a pain now for the OP. But the issue with the bank bothers me.
You don't have to pay twice, but I think should at least try to find out with your bank where's the rent money they took out of your account and never made into the LL hands since he didn't cashed it on time. You got a Cashier's Check, the rent money left your account; the LL never deposited it on time so now the check is void. Where did you rent money go?
It;s not the OP's money, it's the banks money. When you get a Cashiers Check, you are paying the bank the moiney and they are writing a check from their account. Its just like a money order except its issued by the bank.
The OP's state banking regulations govern how to redeem a expired cashiers check. As STT said, the OP may have to come in with the check and the bank will redeposit it back in the OP's account. If the OP want another check, its a new transaction. Some states require the receiver to bring the check into the bank for reissue. Often banks will reissue a new check at no charge if its a good client or for good will.
I sent a check that never arrived and the bank automatically re-deposited it into my account after a prescribed period of time. Sounds like the bank screwed up...
I sent a check that never arrived and the bank automatically re-deposited it into my account after a prescribed period of time. Sounds like the bank screwed up...
Was this a Cashier's Check? In any event, with all due respect I've never heard of a bank automatically redepositing funds into a customer' account if a check isn't presented within a certain period of time. Even to put a stop payment on a simple check one has to jump through hoops and pay a fee ...
Just take your receipt back to the bank and explain it to them. You don't need a copy of the check.
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