So this morning, I called Fairfax Country to see if they had cashed the cheque in the last couple of days because it takes up to 4 days for a cashed cheque to clear my account. Nope. So I asked them what I do about the cheque I am going to put a stop payment on. I have no desire to then get nailed a 35$ charge because they subsequently got my cheque and then cashed it. A stop payment cheque returns back NSF. They said they would put a note on my account to ensure that nobody tries to cash it. And this might be all I do because a quick phone call to Chevy Chase just informed me that a stop payment is freaking 32$.
Because if you don’t ask, you don’t receive… I decided to ask if there is any chance that I might have the late payment fines waived. They check my history and discover that I hadn’t missed a single payment. Sure… if I show them my cheque registry. Umm… I don’t have one. Will they take an online bank statement showing that a cheque hasn’t been cashed? She will check. They will. The only problem is that the bill they sent me was ALSO delayed and if I don’t pay my account TODAY I will have more fines levied against me. So I will be heading out of work early to go to the government center to pay my bill and submit my bank statement. What a complete and total hassle. At least I am able to get out of the situation without paying more money than I have to. I was actually really surprised that the government would make any allowances whatsoever for a missing cheque that I can’t prove that I wrote to them.