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Ironic Much?

Our holiday shopping has been complicated by the fact that a check I was supposed to receive two weeks ago never arrived. At first, I figured it was just late because of all the holiday mail, or maybe it had been mailed late by my employer because of the Thanksgiving holiday.

Upon checking with them, I learned the checks had been issued on November 18 and sent out in batches over the next eight business days. Figuring that my last name, starting with a "W," put me in the last batch, it still should have arrived almost a week ago.

In the meantime, several monthly payments came through my checking account, with the end result being that I was overdrawn. This also meant, of course, that I could not do any online shopping and had to ask for money from The Gryphon whenever I went grocery shopping. On the advice of friends, who said it's difficult to track funds in a joint bank account, we've retained our individual accounts and have split up the bills based on our incomes. This typically means that I cover groceries, gas and a few of my credit-card bills, and The Gryphon takes care of the rest.

Normally, since I have time during the day, I run errands such as purchasing Christmas gifts and other necessities. Of course, with my finances being in such a bind, this was out of the question.

When it became clear that the check had gotten lost in the mail, I contacted my employer and asked them to cut me a new check. My theory on the check being lost was confirmed by the fact that I recently received a letter and a Netflix movie for someone who has the same house number but lives on a different street.

After my employer checked to verify that the check had not been cashed, I finally received a message that they have overnighted a replacement to me. It should arrive tomorrow.

Three guesses what showed up in my mailbox today? The envelope had been folded, and it was opened. I suspect this means that somebody received it by mistake, held onto it, and finally either gave it to the postal carrier to redeliver or walked it over by themself. Of course, my employer put a stop payment on it, so the check sits there, laughing at me. Too, too much!

Moral:
If you ever get the wrong piece of mail, have it redelivered right away!


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Comments

( 18 comments — Leave a comment )
msstacy13
Dec. 15th, 2010 08:13 pm (UTC)
It only takes one overdraft to negate whatever savings you're offered
for having an automated payment...

Anyways, that used to happen to me at my house;
either the same number on a different street,
or a transposed number with the same street.
I'd get other people's stuff, and I'd sometimes find things of mine
that had clearly been misdelivered in the first place.
Sometimes, I've gotten checks with another envelope with a check inside
stuck to the envelope mine was in,
and I've had late, torn envelopes suggesting the same had happened to one of my checks.

*sigh*
alycewilson
Dec. 15th, 2010 09:11 pm (UTC)
Well, unfortunately, all of these monthly automatic payments are set up that way because they have to be (i.e. the YMCA, which requires automatic payments to join). It's rarely been a problem before, because I typically get my check on time and make sure to keep enough money in my account to cover the automatic payments. In this case, it was just a perfect storm of badness.

This is the first time that I'm aware of that anything important of mine went missing. But there have been a couple times I received mail at "off" times, making me think somebody had gone through their mail, found it, and dropped it in my box.
msstacy13
Dec. 15th, 2010 08:19 pm (UTC)
And I meant to add that one might say
The check's in the maelstrom.
alycewilson
Dec. 15th, 2010 09:11 pm (UTC)
Good one!
imafarmgirl
Dec. 15th, 2010 08:45 pm (UTC)
Wow, that is so rude!
alycewilson
Dec. 15th, 2010 09:12 pm (UTC)
After opening it, they definitely should have seen that I got it sooner!
millysdaughter
Dec. 15th, 2010 10:46 pm (UTC)
I am a firm believer in joint accounts.
alycewilson
Dec. 15th, 2010 10:59 pm (UTC)
There's advantages and disadvantages both ways, I think.
creature_girl08
Dec. 16th, 2010 09:02 am (UTC)
Now this is just sad. Yes, the check is being replaced but sigh, just sad.
alycewilson
Dec. 16th, 2010 05:41 pm (UTC)
And mucho frustrating!
sector_r
Dec. 16th, 2010 04:05 pm (UTC)
Honestly, you should stop by your local post office and waste a little (lot) of their time explaining all the money & time this mistake of theirs has cost you.

Best strategy is to tell the whole story to the clerk at the front counter, then ask to talk to the manager and waste their time telling them the exact same story.
alycewilson
Dec. 16th, 2010 05:41 pm (UTC)
I might call them. Standing in line with a 6-month-old for a protracted conversation is not advisable!
miranda_lane
Dec. 16th, 2010 05:13 pm (UTC)
It's a shame that whoever opened your check didn't at least attach an apology note - even if they didn't sign the note, it would have been nice to say something to the effect, "I didn't realize I got this by mistake. Sorry for the inconvenience."

I could make up imaginery excuses for said person, but I'm glad that you have taken steps to rectify the situation.

However, this is exactly why I do not schedule automatic bill pay against my checking account. The only automatic payments hit my credit card, where I have a grace period to move money around if I need to. Oh, I still pay some things electronically debiting my checking account, but I always kick off the transaction manually first. Financial flow is a complicated dance!
alycewilson
Dec. 16th, 2010 05:40 pm (UTC)
I would have have these payments go to my credit card except that: 1) in two instances, that is not permitted; 2) in the other instances, with all my credit cards, if your payment is late, even if you have credit, it will not allow you to charge anything. That ends up being more trouble than it's worth.
miranda_lane
Dec. 16th, 2010 10:24 pm (UTC)
Yes, it does take a bit of discipline to make sure the credit cards gets paid off every year. And you are right, there are still some places that don't take a credit card at all, don't take my preferred card (like Verizon home doesn't take Discover - but I think wireless does) or charge you extra for putting it on a card (like PECO. Heck, I think PECO even charges if you pay with your checking but don't do it automatically, so they still get a paper check in the mail every month, because whatever the "convenience fee" is for paying a la carte online, it's still less than the cost of a stamp!) Yes, I'm babbling. Sorry. I'm glad your money is getting overnighted to you.
alycewilson
Dec. 17th, 2010 02:48 am (UTC)
Got the check today (woot!). Of course, it was right in time for the snow storm, which combined with rush hour, made depositing it really fun. But at least now it's in my bank account, and I can breathe a little easier.

If I could go back to college and tell my younger self one thing, it would be to watch out for credit cards!
j_train1
Dec. 17th, 2010 02:43 am (UTC)
misplaced mail
I got a story for you as well. For a while I lived on the same route as a family that had a similar last name as me it was off by 1 letter. I always got my mail though except for 1 week when there was a new guy on the route and I just didn't get mail for that week for he was delivering it to the other address.
That was fun.
alycewilson
Dec. 17th, 2010 02:46 am (UTC)
Re: misplaced mail
Did the other people know you? How did you get it all worked out?
( 18 comments — Leave a comment )

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