Hi, all...<P>Another "old timer" here ... disappointed that I wasn't ever mentioned in any of the "old timer" threads and discussions... I guess I'll live! <P>But I digress... <P>A silly little thing has happened and I have no idea what I should do about it.<P>As some of you know, my husband moved with the slug to Florida at the beginning of April, 2001. I have had no contact with him since he last stopped in to see me at my job to ask me if he could come to the home he had moved out of in November 1998 to get his tools (a request that I politely and gently refused).<P>Wednesday I found a piece of mail in my mailbox which was addressed to him. Since I have no forwarding address for him, I almost threw it away, but decided, instead, to open it. Inside was a letter from the bank demanding payment for a check that had bounced. Apparently, he has never changed the address on that particular loan payment, and, even though the check has his Florida mailing address on it, they sent it to my address.<P>What do I do? While not "officially" in Plan B, I have no contact with him, and had never planned to get into contact with him. As I see it I have two basic choices: Ignore it completely as it is not my responsibility; or send it down to him.<P>What do you all think?<P>(PS: WhoDat, I'm disappointed... mine used to be one of the stories you followed and you never even mentioned me! )<P>------------------<BR>terri<BR><B>Courage</B><P>Whatever course you decide upon,<BR>there is always someone to tell you<BR>that you are wrong.<P>There are always difficulties arising<BR>which tempt you to believe that your <BR>critics are right.<P>To map out a course of action <BR>and follow it to an end <BR>requires courage.<P><I>Ralph Waldo Emerson</I>

Hi terri,<P>hope you don't mind a newbie responding to your posting :-) just teasing.<P>Would it be an option to return the letter to the bank and tell them something like the addressee doesn't live at this address. They might follow-up and ask you where he is but just tell them he moved out in '98 and you don't have any contact with him. They'll track him down.<P>good luck

Hi terri.<P>ditto Freddy. But a few questions; Are you in any way linked to this "loan," i.e., are you liable?<P>In hindsight, perhaps the correct action would have been to not even open it, and send it back to the back as "addressee unknown - no forwarding address." <P>Is it right that now you know his new address from the check? If so, another option would be to close up the envelope and forward it to the new address. A minor Plan B violation, but it would likely be an LB to NOT forward it on at this point.<P>WAT

Hi terri,<P>I always know that you're here... Just haven't heard much from you lately. I was going through some of the read only posts yesterday, and man, was that like taking a stroll down memory lane!<P>I'd vote for sending it to him. It's not really a Plan B violation, and it's still showing the appropriate amount of care.<P>God bless!

Hi Terri,<P>Good to see you. I agreee with the send it to him in a new envolope. It shows you as thoughtful and may annoy the slug at the same time. <P>Of course in a WS twisted mind it could also show you as controling and opening his mail I guess.<BR>Lora

Hi Terri,<P>I say forward it. It's is a form of indirect contact, but as you said, you're not in Plan B officially.<P>I send my H any mail or legal info of his and I am in Plan B and D. I think it is a legal as well as a respect obligation. Plus I don't want to LB anyone, not even my H. lol<P>Perhaps if you send it, he will think that's a window of opportunity to contact you. I don't know if you want that or not. Just a thought.<P>I hope you're well, Terri.<P>Love,<BR>Jo

I would try to return it to bank if my name wasn't on it. They should be able to find the right address!<BR>GC

Hi Terri,<P>Missed ya!!! I would call the bank to find out why it was sent to you instead of the FL address. Then if the address was still a good one, forward it in another envelope with a short note if the bank gave more info or something like that. Even say hope you are doing ok? (not sure about that). <P>Too much craziness going on around here. Good to hear from you. <P>Take care,<BR>L.

Terri, hope you are doing well! I would see to it that he gets the check. If you drop it by the bank with a notation of the correct address, they'll send it to him. If you would like to open up a window of opportunity for him to contact you, forward it to him with a very short note. Best wishes!

Teri:<P>From a federal statutory standpoint, you are obligated to forward the mail. (Technically, by not forwarding you are impeding the federal mails, a felony offense ... though being prosecuted for it in a case like this is extremely rare.)<P>Either suggestion above is viable. Forward it directly if you know the address, or return it to the bank and let them redirect it.<P>From your post it is not clear if you are a co-signee on the loan; if so, you have a double motivation in making sure it is properly forwarded.<P>Godspeed,<BR>STL

Terri,<P>I sounds like you are still married to him. So whether or not you name is on the loan, you are technically responsible for it. If you defaults, they can come after you. So you have a big interest in making sure this is handled correctly.<P>I would return it to the bank, let them know of his new address. This way they will update their records and contact him so that he can take care of the bounced check.<P>IMHO<P>Z<BR><P>------------------<BR>He loves not who does not show love.<BR>----William Shakespeare

Terri,<P>If you don't want to look too controling or too nosey I would send it back to the bank and let them take care of it.<BR>If you think your H won't mind that you opened his mail and now know his address I would forward it to him with a short apology for opening his mail (maybe - not too sure about that one).<P>Nicole

Terri,<P> I don't have much to add regarding your question that others havn't said already. However I just want to say that I have always considered your advice invaluable. If you were left off of any list it was was simply a foolish mistake. I have been posting here since April 2000 and you have always been there. Keep up the good work and you ARE appreciated!!!<BR> Kris

Terri,<P>I was referred to you as an expert on Plan A so it must have been a typo or something.<P>Anna

I'll post tomorrow when I have more time (I hope!) but I wanted to thank you all for your responses. This forum has been my lifeline for so long, I knew I could count on you all for help! <P>------------------<BR>terri<BR><B>Courage</B><P>Whatever course you decide upon,<BR>there is always someone to tell you<BR>that you are wrong.<P>There are always difficulties arising<BR>which tempt you to believe that your <BR>critics are right.<P>To map out a course of action <BR>and follow it to an end <BR>requires courage.<P><I>Ralph Waldo Emerson</I><p>[This message has been edited by terri (edited August 04, 2001).]

Livin' in FL, with the slug, bouncing checks. Sounds like things are going just ducky.<P>Instead of my usual helpful advice , allow me to ....<P>BWaaaaHHHHaaaaaawwwwaaahhhhh, this time !! <P><BR>Love ya T, from your old buddy V.<P> <BR>PS - I really do think somebody at that bank has something against him. They always seem to make such "silly" mistakes. You've got his address now, use it wisely if at all. Most banks attempt to run a check twice before the actual bounce and by that time the payee has been notified and CHARGED your H with a bounced check fee. Seems to me he probably already knows. In business, rubber doesn't cover the bill. <BR>

terri:<P>He may have just changed his address with the post office, to forward his mail. They do mess up sometimes. So the bank returned the bounced check? Seems like your choices are:<P>1. ignore it...no one knows where it went and they will send him another notice. They wouldn't have returned the check if they were going to put it through again, most likely have already charged the fee for the check bouncing. <P>2. if you can tape or glue it shut....write "moved no forwarding address" The post office will either realize they need to forward it to him or send it back to the bank.<P>3. put it in an envelope addressed to the bank, write on the inside envelope "moved..return to sender" put it back in the mail. Let them figure it out. <P>3. return to the bank directly...than they know you opened it. <P>4. mail it to husband...than he knows you opened it and he will know you have his new address. He could get angry because you opened his mail and because you know his address, after all if he wanted you to have it he would have given it to you. He might retaliate if he is angry about opening his mail, knowing his address or because you wouldn't let him get the tools. There is a possibility he would try to get back at you...legally. <P>My husband moved and is living with a slug. They are both hateful, vindictive and would like to get me for anything. You have to be cautious and protect yourself. I'd say mail it back to the bank, they will figure it out. It's his problem and responsibility unless your on the loan. Hope they can't come back on you for the loan if you are still married?<P>Take care.