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A bit of a moral dilema ...
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<blockquote data-quote="Andy" data-source="post: 464444" data-attributes="member: 5096"><p>I may be the odd man out, but I would go in and talk to the city clerk about it. You still have the $31.00. Your check was a written note stating that the city could take the money from your account. Since the town is so small, they must have a person who makes deposits once or twice a week or even once or twice a month instead of a nightly drop. I would venture to guess that what went missing was not posted to individual accounts - the $ and statements were stored together in the safe until "posting day". They will need to use their receipt book to see who has paid and by what method. Hopefully that was stored elsewhere.</p><p></p><p>No one can legally cash that check if it is made out to the city. If the city cashes it and puts it to your account at a later date, they will show a credit balance that you can apply to the following month. If someone else cashes the check, you can work with the bank to prove the bank it was cashed at did not follow procedures to make sure the check was not stolen. That is the bank's responsibility. Any clerk cashing a city check must have their eyes checked. The city will not sign it over to a private person to cash.</p><p></p><p>If I was the city, I would be auditing the receipt book to determine how much cash and checks were known to be stolen. Then, a letter to go out to all customers explaining the policy and procedures that are followed in a theft explaining how the theft will effect the accounts. They may say, insurance will cover all theft. What about those received via drop box or mail? They wouldn't have a receipt - how can those be proven stolen or received? </p><p></p><p>However, I would feel so guilty if after several months the check did not clear. Personally, I would pay again and if the original money showed up and was deposited, I would deduct it from the next month's bill.</p></blockquote><p></p>
[QUOTE="Andy, post: 464444, member: 5096"] I may be the odd man out, but I would go in and talk to the city clerk about it. You still have the $31.00. Your check was a written note stating that the city could take the money from your account. Since the town is so small, they must have a person who makes deposits once or twice a week or even once or twice a month instead of a nightly drop. I would venture to guess that what went missing was not posted to individual accounts - the $ and statements were stored together in the safe until "posting day". They will need to use their receipt book to see who has paid and by what method. Hopefully that was stored elsewhere. No one can legally cash that check if it is made out to the city. If the city cashes it and puts it to your account at a later date, they will show a credit balance that you can apply to the following month. If someone else cashes the check, you can work with the bank to prove the bank it was cashed at did not follow procedures to make sure the check was not stolen. That is the bank's responsibility. Any clerk cashing a city check must have their eyes checked. The city will not sign it over to a private person to cash. If I was the city, I would be auditing the receipt book to determine how much cash and checks were known to be stolen. Then, a letter to go out to all customers explaining the policy and procedures that are followed in a theft explaining how the theft will effect the accounts. They may say, insurance will cover all theft. What about those received via drop box or mail? They wouldn't have a receipt - how can those be proven stolen or received? However, I would feel so guilty if after several months the check did not clear. Personally, I would pay again and if the original money showed up and was deposited, I would deduct it from the next month's bill. [/QUOTE]
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A bit of a moral dilema ...
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