Wrote a $66 check to the Dominion Gas Company. Check was endorsed by Medico Health. Needless to say I never got credit from the gas company. The bank paid Medico Health instead of Dominion Gas . Who owes me $66.00?
If you notify your bank within a certain time, I think it is 60 days, of the statement date including the check, your bank should reverse it. Medico's bank would then also reverse their account. Fed regulations that require this also require notice to your bank in writing within this specified time period. Is Medico Health a company you did business with, and you put the wrong check in the wrong envelope, or was the check misdelivered by USPS, and no-one noticed that they were not the payee? Or does some payment processing company handle both Medico and the company you intended to pay, and they screwed up?
Is Medico Health a company you did business with, and you put the wrong check in the wrong envelope. I think that's what happened.Now I'm wondering what i put in tha Gas Co. envelope .LOL
Sounds like Medico didn't catch the mistake, and the utility probably did. The only unknown is whether the utility is sending the Medico check back to you, or on to Medico, but since this check is "lost", block it with a stop payment. It is most straightforward for all parties to correct the mistakes that they are a party to, and problems arise if they try to "fix" other's problems. You did not ask Medico to pay the utility any more than you asked the utility to pay Medico. Medico processed a utility check not made out to them, so reverse thru your bank. Medico check never got to Medico, so stop payment since lost in delivery. Notify Medico of both, including that they should not submit the check on which you are stopping payment, and issue a new check to them for correct amount. They may complain, particularly if their bank charges them a fee, but they erred in depositing a check not made out to them. This is NOT a bounced check, and they had no legal right to present it, regardless of whether you mailed it to them, even if you owe them. Each party is responsible for its own "cost of business". Utility company never got paid, so pay them. You might include a note that your check made out to them ended up at another company, which processed it, even though it was made out to the utility.
Re: Re: Re: Who Owes Me ? ============= Wasn't that it was just an honest mistake . If i can do it anybody can do it. LOL It don't take no special talent!
