some one stated they didnt receive a check, resent check, they cashed 1st check, and then proceeded to take second check to a big store who doesnt do third party checks got it cashed when i put stop payment on check due to cashing 1st and now store is holding me responsible put me in collections and they gave that person the cash. bank says i am not responsible but they clear the problem

Yup - they are a holder in due course. You need to pay them (because you will lose in court) and then sue the person that cashed both checks to get your money back.

thanks

Just think its easy way of helping those that dont have access to big account..