Got a phone call from my landlady asking where her money was. I pulled up my statement on the web, and said "that's funny, bill pay says they mailed it to you on November 18 and took the money out of my account on November 22. Let me contact my credit union and have them call you to see what happened." So I opened a support case on the credit union's web site and soon got a response back that yes, they mailed the check and had the postal receipt to prove it, but it hadn't been cashed. So they called the landlord, verified the landlord hadn't found the check between the time she called me and the time they did their search, verified that they had the correct mailing address and account number on the check, and re-issued the check after verifying with the landlady that no late fees were due since she probably just lost the old check. No reissue fees or check cancellation fees or anything, just plain old customer service :).
Thank the Great Penguin that I wasn't with some Big Bank! They would have just shrugged and said, "not our problem", then charged me fees out the wazoo to resolve the Not Our Problem!
I love my credit union :).
-- Badtux the No-bank Penguin