And I asked how a bank statement wouldn't be sufficient and was ignored.
Face it, you don't need old checks around. They only serve a purpose
for verifying the validity of a transaction. Afterwards, you need
only the transaction list.
bullshit. Bank statements are sufficient.
Most banks don't provide returned canceled checks nowadays anyway,
another fact that you ignored.
Get online for a canceled check image if you feel a need to verify the
handwriting and signature, but otherwise, a bank statement is
sufficient. It proves that there was a transfer of funds.
Sorry, bank statements don't cut it when all the statements show are the
check number, when it cleared, and the amount. I could write a check to
myself, for the amount of any bill, cash it, and claim that paid the
bill. Without the canceled check, no proof of payment, period.
In our case, the judge said he had to see the signature on
Our bank imaged just the front of the checks. The only thing
saved our $1300 was a year end summary that showed the payment
they claimed they didn't get.
Many years ago, a postmark on an envelop saved my backside.
I've saved everything since then ;-)
again bullshit. There's the concept of a transaction and it involves
a transfer of funds from one person to another. If you cash the
check, it hasn't transfered any funds to the other party. The
statement will show it either going to you, or to cash.
You're not very bright, are you?
No, his statement is like mine only showing #, date and amount.
Nothing at all on the statement about who got it. What part of "the
statement doesn't show who it is going" are you having trouble coming to
You right. I was wrong.
I've been doing electronic payments for so long, that I've forgotten the
difference between check and EFT.
And by the way, I always save the payment confirmation codes in a file in
a payments directory. I just don't use little bits of trees for storing
About 25 years ago, the Australian equivalent of _Newsweek_ printed
something to the effect of "The US Banking system is so quaint: they
still shuffle paper checks [except that they spelled it correctly:
"cheques"] from one bank to the other."
I have had that happen in two cases. One was a little bizarre because it
was a from a business that had purchased another business and apparently
they were combing through old records looking for money and decided I
hadn't paid invoices that were almost three years old.
I went automatic payment because was going to be away for three to
four months, last winter, although someone was picking up my mail for
Returned home to find the cell phone provider from whom I do not
receive a monthly bill as a condition of the original cheap prepaid
deal had changed the contract on me; only sending out a regular mail
'information' letter that of course I had not seen!
Now back it's one few items for which not receiving a monthly 'paper'
Might accept an automatically e-mailed invoice; provided that had an
arrangement whereby I would 'acknowledge receipt'. And then if not
acknowledged they would then 'postal mail' it!
Emailing it is the best solution. I don't know why snail mail has
worked for years and an email wouldn't. For some unknown reason the
utility companies want you to log onto a web site to get an ebill. It
is unnecessarily complicated. I have been using direct draft for at
least 3 years and usually throw my paper utility statements in the
shredder without opening them.
Bank statements may need special treatment, but I was talking about a
utility bill, not a CIA document. The bank could send you a yearly
summary in a special passworded file or something for you to keep for
you tax records.
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