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Old 12-03-2004, 08:08 PM   #8
russotto
Professor
 
Join Date: Jan 2001
Posts: 1,788
If the bank has enough information to charge your account, they should have enough information to create a substitute check. I think it might be your bank rather than AT&T that is screwing up. What's happened is the check has been "truncated":

(18) TRUNCATE.—The term ‘‘truncate’’ means to remove
an original paper check from the check collection or return
process and send to a recipient, in lieu of such original paper
check, a substitute check or, by agreement, information relating
to the original check (including data taken from the MICR
line of the original check or an electronic image of the original
check), whether with or without subsequent delivery of the
original paper check.

(note the "by agreement")

If the bank can't produce the original check or a substitute and you dispute the charge, they're going to have a hard time of it (under older law, not Check 21-- Check 21 would only help them if they DID have the substitute)
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