I had an experience with an S&L where a customer closed ten CDs ($125,000) on Affidavits of Loss shortly after a merger was announced. About three months after the merger was completed, he presented the originals and demanded his money.
Took a couple of weeks (and daily threats to report me to the NJ Banking Dept)but the Affidavits were finally located. The look on his face was priceless!
He had counted on the confusion of the merger to 'lose' the proof of his 'no-book' close outs! Had he waited a while longer, he may have gotten away with it!
Lord,give me patience - and I want it NOW!!!