I mentioned before that we'd had a 148 pound rebate from Welsh Water - they sent me a cheque (how quaint) and it was going to be paid into our joint Smile account. The process is you use one of their supplied envelope, insert the account details and hand it in over the counter at the nearest PO. First two bits went flawlessly, but somewhere between the Post and the car must have dropped the envelope. I phoned WW when I got back, they cancelled the cheque and I received a new one within 3 days. This was paid in, didn't give it a second thought.
Got a secure message from Smile a couple of days after this to tell me that a local Postie had picked the original envelope up and handed it in at the Post who'd processed it. So good service from three separate companies plus good comms from a Bank. It should always be like this !
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