A cashier's check is lost in the mail that was sent to a "big bank" that says it cannot find it or never received it. It will not put that in writing, so the payer sent them another check to cover the cashier's check. How does the payer get his funds back? The issuing bank refused to refund the amount of the cashier's check to the customer.
If you make a claim that the cashier's check was lost, stolen, or destroyed, and ninety days had passed since the date the check was issued, the bank that issued that check should be able to obtain a bond and provide some refund. You will find a more detailed explanation here. You might want to print this out and take it to the bank to ask what they'll require
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