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Re: Weekly Vocab #2.1.4 (repost #1)

From:Ph.D. <phil@...>
Date:Monday, January 22, 2007, 6:06
Roger Mills wrote:
> > A Certified Check, typically required at real-estate > closings, can be written by the account holder or > by the bank, but one's account is immediately > debited (hence the certification that the money > actually exists)-- and if the check is never cashed, > I suppose one is simply out $X. Though I've never > heard of that happening. . . .
I've had that happen a couple of times, and you can get your money back if it's not cashed. One time, I paid for a delivery with a certified check. The shipping company subsequently lost the check, and I ended up sending the merchandise back anyway. When the check had not been cashed in a certain amount of time (something like six months), the bank declared the check void and recredited the money to my account. Another time, I paid for a concert ticket with a certified check, but the concert was canceled. The promotor sent the check back to me, and the bank allowed me to sign the back of it to redeposit it to my account. --Ph. D.