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Um, how about just ask her? "Hey, not that I mind, but what's up with you not cashing my checks?"
Also, not signing a contract isn't necessarily a good thing. For instance, if you go on vacation for a week, and come back and all of your stuff is gone, you have no way to 'prove' that you really did live there. I highly doubt she would do such a thing from your description of the situation, but I'd be a little nervous about the lack of contract.
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