If my bank lost a check I deposited what can I do.. this check was returned once by the bank for NSF?I deposited the original check in Aug, the check bounced and USAA (my bank) sent a copy of the check back to me with a letter saying this copy could be used as a legal check. Last week, I verified the guy had funds to cover the check and sent it in to USAA. They have records of recieving the FEDEX package but... |
USAA is the receiving bank and the one who lost the check. the onus is on them, make a written request and talk to the branch manager. they usually have a microfilm copy of all outward checks for clearing. once a photocopy of lost check is secured they will just have to certify it as true copy and 2nd present it for clearing. they should coordinate it with the drawee bank (the guy's bank) as certified true copy of the lost check who then confirms it with their client or the guy you sold your boat to.
If you go the route of getting a new check, insist on a cashier's check. As for a remedy of the bank, you will be getting a big run around, might need to start lining up a lawyer.
