My husband and I are in the process of applying for a mortgage and our landlady passed away without depositing the last two month's checks. When we questioned the un-deposited checks they assured us they were going to go to the bank soon.
We've found that our landlady signed the checks before passing, and her care-taker son signed below her name. When he went to deposit the checks after she passed, the bank would not take them.
Is there any way to get these checks deposited before her son gets the letter of administration? I fear he will not get this settled by the date on our contract and a condition of our mortgage is to show the last 12 months of cancelled checks. We've never made a late payment and I'm losing sleep over this.
Untitled
Speak with the son and offer to swap checks with him. Retrieve the two checks he can't deposit, and issue two substitutes (use the original dates), payable to the estate of the landlady. Keep a copy of both replacement checks, and document exactly what you did to remedy the situation. The bank should be willing to accept the replacement checks for deposit to the landlady's existing account which is now part of her estate, or to a separate estate account.
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Speak with the son and offer to swap checks with him. Retrieve the two checks he can't deposit, and issue two substitutes (use the original dates), payable to the 