i mailed union planters bank, via certified mail, a check for my house payment. it was signed for, i received the return receipt card back stating the fact. the check was lost in the office of the union planters bank. the bank is now demanding that i stop payment on the lost check and send them another check. the error was not mine. should i pay 26 dollars to stop payment and another certified mail fee, 3.94, to send another check? should i pay for their mistake?