This must be done by the drawer or acceptor, as the case may be, and by him alone. He should write a note to his banker, giving an exact copy of the cheque or bill he wishes returned, and the banker will then mark his ledger and instruct the cashiers to refuse payment of the document, if presented. Should he pay the instrument in spite of the customer’s order to the contrary, he will have to make good any loss occasioned by his negligence. Lost Cheques. The payee or the holder who loses a cheque can, of course, give notice of his loss to the banker upon whom it is drawn, and the banker would doubtless question any presenter, but he, the payee or holder, must obtain an order from the drawer instructing his banker to stop payment. The drawer, though he cannot refuse such a request, may insist upon receiving security before he issues a fresh cheque. Further, if the drawer employ the customary means of communication, such as, for instance, sending his cheque through the post, or should the payee himself select a particular channel, then any loss falls upon the latter. A holder for value, however, provided the cheque be not tainted with forgery, and that it be not crossed “not negotiable,” can compel payment from the drawer, who must then fall back upon his indemnity should he have issued a duplicate cheque. Sending Cheques through the Post. When remitting cheques to one’s banker for the credit of one’s account it is advisable to write across the face of each: “A/C Payee, with ---- Bank of London.” In the event of a cheque thus marked getting into dishonest hands no banker would care to collect it. Where the sender is the holder, and not the payee, he would, of course, cross the cheque “A/C John Jones,” etc. As the paying banker is not liable on a forged indorsement, it is always desirable to receive an acknowledgment from the payee of a cheque posted to him. Should not this come to hand in proper time, then payment of the cheque might be stopped at the bank, and the stop removed when the receipt arrives. It is, perhaps, as well to remember, when sending a crossed cheque through the post, that the addition of the words “not negotiable” lessens the risk of both payee and drawer. Paid Cheques. These are the legal property of the drawer; but a banker is entitled to an acknowledgment from the customer before he surrenders them. Providing for Cheques Specially.