国治同志:1990年7月底,我局兑付了一笔450元的汇款。该汇款系代领人持私刻的收款人图章及代领人的身份证和图章到我局取出的。而后,代领人扣除了收款人的欠款,将余款90元退给了收款人。半年后,汇款人以收款人没有收到450元 Comrade Guozhi: At the end of July 1990, our bureau paid out a remittance of 450 yuan. The remittance department took the engraved payee seal and the surrogate’s ID card and stamp on my behalf. Then, on behalf of the recipient deducted the payee’s arrears, the remaining 90 yuan returned to the payee. Six months later, the remitter to the recipient did not receive 450 yuan