Mail disruptions and recipient disputes happen regularly. If your landlord claims the monthly draft never arrived, the receipt stub is your only defense. You can verify whether the draft cleared by running the tracking sequence through Western Union's automated telephone hotline or online portal.
If tracking confirms the draft remains uncashed, you can initiate a formal stop payment request. This process requires submitting Western Union's Affidavit of Loss along with a non-refundable administrative processing fee, which typically ranges from $15 to $30. If you retained the original stub, Western Union can usually verify the serial number and issue a replacement check within 30 days.
Losing the stub complicates the process considerably. Without the printed serial number, Western Union forces customers to submit a research request accompanied by a steeper fee. The investigation can take two to three months. Even then, resolution depends on whether investigators can manually match store register records against daily sales logs.
