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628
POSTAL DIRECTORY—RATES.
also at liberty to desire at the time of issue
that the order be crossed like a cheque thus,
& Co., and be made payable only through a
bank, in which case it is left to his option to give
or withhold the name of the payee. Foreign
and Colonial Money Orders do not come under
this exception.
The holder of a Money Order is always at liberty
to direct, by crossing it, that it be paid through a
bank, even although not originally intended.
When application is made for a Money Order
payable in London, or at any other town where
there is more than one Money Order Office, the
remitter should say at which of such ofSces he
wishes it to be paid ; otherwise the order can be
cashed only at the Head Office. It is not incum-
bent on a postmaster to supply such information
relative to local or provincial offices.
An order once issued cannot be cancelled ; and
should repayment or transfer to a different office
be required, the remitter or payee must apply to the
paying postmaster.
In order to enable the remitter to obtain an ac-
knowledgment of the receipt of a Money Order
before the money is paid, it is arranged that he
may make his order payable ten days after date,
provided that, in the presence of the postmaster,
when he obtains the o-der, he affixes thereto, in
the space after the request C, a penny receipt
stamp, and write his signature across the stamp.
When an order is presented for payment (other-
wise than through a bank), the postmaster has
first to see that the signature of the payee be
in agreement with the advice. He has then to
call on the applicant to give the name of the re-
mitter; and if the reply be correct, the order will
be paid, unless the postmaster have good reason
for believing that the applicant is neither the right-
ful claimant, nor deputed by him. When an order
is paid through a bank, it is sufficient that it be
receipted (without regard to any discrepancy be-
tween the signature and the name in the advice),
and that it be presented (crossed with the name of
the receiving bank) by some person known to be
in the employment of the bank.
Money Orders do not require a receipt stamp.
Although at the end of twelve months from that
in which it was issued, a Money Order, if still un
paid, becomes legally void, nevertheless, when a
good reason can be given for the delay in present
ing it, an application for paj^mcnt, subject to a
certain deduction, is entertained.
No application can be entertained for compensa-
tion for alleged injury from the non-payment of a
Money Order at the expected time.
After once paying a Money Order, by whom-
soever presented, the office is not liable to any
further claim.
To guard against any person, even if he obtain
possession of a Money Order fraudulently, getting
it cashed, the remitter is recommended —
i. When he is well known to the payee, to sign the
letter enclosing the order with his initials only.
2. When this is not the case, either to make tiie
order payable ten days after date, or to
register the letter enclosing it, or to make
the order payable through a bank by cross-
ing it like an ordinary cheque.
3. When it is not considered expedient to adopt
either of these courses, to send the remitter's
name (without a knowledge of which pay-
ment cannot be obtained) in a separate letter
from tliat containing the Money Order; al-
though tl)is latter precaution is much less
effective than either of the others.
Payment of an order cannot be demanded on
the same day as that on which the order was
issued.
In case of the miscarriage or loss of an inland
Money Order in transmission through the post, a
duplicate is granted on a written application giving
particulars to the Controller of the Money Order
Office in England, Scotland, or Ireland, as the case
may be, where the original order was issued ; but
for an order otherwise . lost, a charge of Is. for
sums not exceeding £5, and 2s. for sums not ex-
ceeding £10 is made for a duplicate order. If it
be desired to stop payment of an inland order,
application must be made at the office where the
order is payable, and a second commission must
be paid. If alteration in the name of the payee or
remitter of an inland Money Order should be re-
quired, application must be made by the remitter
to the i^ostmaster of the office at which the order
was issued, and a second commission must be paid.
Should transfer of payment of an inland order from
one office to another in the United Kingdom, or
repayment of the amount of an order, be required,
an application enclosing the order must be made
to the postmaster at whose office the order is pay-
able, who will transmit in exchange a new order
payable at the place desired, but for a less sum than
the original order by the amount of the second com-
mission charged for the re-issue. Proper printed
forms for making applications in all these cases may
be obtained at any Money Order Office. Whenever,
on complaint being made, it is found that the neces-
sity for an application, entailing the payment of a
fresh commission, is attributable to the Post Office,
the charge will be remitted to the applicant, and
imposed on the officer in fault.
A postmaster is required to give information how
to apply for a duplicate order, etc., and must furnish
the prescribed form of application. If payment oi
an order be refused in consequence of the replies
to the questions respecting the remitter, or the
signature on the order, not corresponding with the
entries in the advice, the applicant for payment
should communicate with the remitter, and request
him to apply personally to the issuing postmaster.
No letter-carrier, niral messenger, or other ser-
vant of the Post Office is bound to procure a Money
Order for any person, or to obtain payment for
one ; but such services are not forbidden.
Money Orders are issued in the United Kingdom
on the undermentioned countries and agencies, at
the following rates for sums not exceeding : —

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