Some banks will cover a cheque and charge late fees...sounds like your bank didn't do this...phone your landlady and explain that you realize that you should have phoned her but that you did put the money in thinking that the bank had covered the cheque, ask her if she could wait until...whenever and apologize like crazy...I don't know your landlady but some can be understanding...I hope your okay Lexicon...I don't know how many times I've done this myself...