I do a majority of my banking online, so when I needed to stop payment on a check I wrote, it seemed a convenient way to do it. Does a stop payment expire? Also, I wrote the check to a door-to-door salesman and decided against keeping what I had purchased. I've been trying to contact him to return the product, but he's not responding. Would you know if I am liable if I stopped payment and he's not taking back the product?
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The standard effective term for a stop payment order is six months. Your bank may have extended the term of its stop orders. Check what the web site says, or give the bank's customer service people a call. If you are concerned that a check might be presented after the stop expires, by all means consider renewing the stop a few days before it goes off the books. There is no such thing as a check that's too old to be paid.
As for the salesman, it's often a practice to avoid phone calls lest a deal go sour. If you don't hear from the salesman shortly, and have a mailing address for him or the company, send a certified letter saying that you have canceled the order and are holding the merchandise for pickup. Keep a copy of your letter.
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The standard effective term for a stop payment order is six months. Your bank may have extended the term of its stop orders. Check what the web site says, or give the bank's customer service people a call. If you are concerned that a check might be presented after the stop expires, by all means consider renewing the stop a few days before it goes off the books. There is no such thing as a check that's too old to be paid.