A Canadian man was expecting a bank draft in the mail for $846,000.

Louis Paul Herbert, 61, was expecting his share of inheritance money that his sister, Lorette Taylor, sent him via United Parcel Service (UPS). However, the package never arrived.

CBC News reported that in February, Taylor was placed in charge of dividing their late father’s inheritance money. Taylor went to TD Canada Trust (TD) bank to pick up the bank draft for the large sum. The bank encouraged her to use a bank draft instead of a regular check.


The New York Post reported that a bank draft is similar to a certified check; however, the sum is taken immediately from an account and held by the bank until the check is cashed. Taylor was hesitant to send the check in the mail, but the bank assured her and her husband John that they would replace the money if it somehow got lost.

Taylor opted to mail it to Herbert so he wouldn’t have to drive 270 miles to pick it up from his sister’s residence. The bank draft was sent from the family lawyer’s office. Herbert went to the UPS store on the day and at the time he was told it would arrive— but it never did. He tried a second time, in the evening.

The NY Post reported that Herbert told CBC News:

“Nothing shows up … and I’m wondering, ‘What’s happened to my inheritance?’”

He checked with UPS. They found it stopped somewhere, but then they lost track of it.

UPS was able to track the package at a distribution center near Toronto, but then they weren’t able to locate where it went next. The company sent the family a refund of $32, which covered the shipping costs for the bank draft and a letter apologizing for losing their package.

Herbert said:

“That’s nice of them to say, but it doesn’t solve my problems… I should have just driven [to the lawyer’s office. It’s something I kick myself in the rear over everyday.”

Taylor said:

“Never in my wildest imagination did I think something like this would happen.”

After they contacted TD to let them know about the lost package, a representative emailed the Taylors to confirm that they would be able to cancel the draft, as they were told by their local bank. But two days later, they were informed that they would only send them the money if they signed an indemnity agreement. According to CBC News, TD wanted her to pay the money back in case the bank draft was illegally cashed.

Taylor said:

“If something happened to me, for example, my children and my heirs and my spouse and my executor would have to pay this debt. Well, I didn’t really want to sign this.”

Taylor felt like she didn’t have any other choice, so she signed it. But the bank never would pay them the amount.

She said:

“They never paid anyone a dime.”

TD continued to make new demands, including asking to put a lien on her house. Ten months later, nothing had been resolved.

Herbert said that he desperately needed the money, as all of his credit cards are maxed out and he no longer has a source of income. He said:

“I would have been debt free. My money would have been invested. I would have been retired.”

However, within hours after CBC News broadcast their story last week, TD issued an apology to the family and reimbursed Herbert:

Cheryl Flicker, a bank spokeswoman wrote in an email to CBC News:

We understand that we’ve reached a resolution with our customer. It’s clear to us we didn’t get this right along the way and that there was more we could have done to come to a resolution faster.

CBC News reported that Taylor told then the new bank draft is currently with her family lawyer.

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