It happened last month only.. i had changed my bank account in december and like an obedient borrower i sent the remaining cheques of my car loan along with a request letter to sent the old cheques back, and in april somebody comes shouting at the peak of his voice to take cash for the 3 months installment.. on verification i found out that all the three cheques were sent to my old account only.. i immediately caught hold of a police friend and a lawyer, went back home.. that guy got a dressing down of a life time from the policemen and in the end made the branch manager come down personelly to my house to apoligize.. My lawyer even kept a written statement from the BM and that recovery agent..