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Home >> Checks/Money Orders >> Checks You Wrote
Bank Lost Rent Check, Says it’s My Fault
I gave my landlord my rent check. He took it to the bank for deposit. The bank gave him a receipt. Next day the bank called my landlord saying they had misplaced the check and wished me to stop payment on it and replace it. Normally no problem, but this time I had no idea from what checkbook I wrote this check. One more thing, the "Pay to the order of" was left blank; the landlord forgot to fill it in. The bank won't accept responsibility, saying that it is my fault for not knowing the check number. What are my rights?
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 You are really making it a challenge for your bank to help you if you can't tell which check number you used. Without that information, your bank could find it difficult to catch the correct check and prevent it from being paid.
Making out the check without filling in the name of the payee is also a very poor practice. Unless you see a sales clerk or your landlord insert the payee name in your presence, you lose all control over who receives the funds.
However, unless you write several checks a month for the amount of your rent, your bank should be able to at least set its stop payment options up to flag all checks on your account for the amount of your rent check. There is the risk that the wrong check will get bounced, and that's what the bank is attempting to warn you about. If you're willing to assume that risk, contact the bank and try to place the stop payment again. Always use checks sequentially, and make sure the entire check is filled out before handing it over or mailing it.
Published on BankingQuestions.com 7/31/08
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