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बैंकों द्वारा लापरवाही/गलत ढंग से चेक बाउंस करने के मामले भी हो सकते हैं। हो सकता है कि बैंक द्वारा चेक गलत तरीके से बाउंस हो गया हो। यह बैंक की ओर से लापरवाही या गलती के कारण हो सकता है। यह उपभोक्ता कानून में ‘सेवा में कमी’ के अपराध के बराबर है।
अगर आपके द्वारा जारी किए गए चेक के साथ ऐसा हुआ है तो आप बैंक के खिलाफ उपभोक्ता फोरम में केस दर्ज करा सकते हैं।
बैंक अधिकारियों की ओर से चूक या लापरवाही के कारण डिमांड ड्राफ्ट का बाउंस होना जैसे हस्ताक्षर न करना, कोड नंबर का उल्लेख करने में विफलता आदि को भी सेवा में कमी के रूप में माना गया है।
Padam Chand Gupta
October 17, 2023
Bank return a cheque with reason exceed arrangement by which a sec 138 N I Act case is lodged against me . I was authorised signatory of cheque of the company which I left before 5 months of cheque bounce.
As bank was already informed 2 months before cheque return by fresh board resolution that I am no more authorised signatory.
Bank confirmed me on RTI that when cheque returned you were not authorised signatory.
But not giving a correct return memo that cheque not signed as per mandate on record instead false reason of Exceed arrangement saying because no balance was in account when cheque presented
As per RBI rule nd section 10 N I Act bank can not pay the cheque even if the account had balance because cheque was not perfectly drawn
Can I file a FIR on bank official who fraudulently return cheque with false reason just for implicate in a criminal case..under breach of trust, cheating, fraud in cheque return memo of forgery.
Because if bank give correct return memo cheque bounce case not sustainable against me.
Thanks
Alka Manral
June 4, 2024
Collect all pertinent documents, such as the RTI response and board resolutions, and engage in open communication with the bank officials to resolve the issue amicably. If discussions prove ineffective, consider filing a complaint with the Banking Ombudsman, an independent authority for banking disputes. If you suspect fraudulent activities by bank officials, consult your lawyer before contemplating the filing of an FIR with the police. Finally, explore potential legal remedies with your attorney, considering the complexities of your case and the available courses of action. Seeking personalized legal advice is crucial in navigating the intricacies of the legal system.
Section 468 pertains only to the cases where forgery is for cheating. Forgery has been explained before as concerning the presence of one or other of the two elements of dishonesty or fraud.
Proof: the prosecution has to prove that the:
• Accused committed forgery.
• That he did so with the intention that the document forged shall be used for cheating.
Section 465 of the Indian Penal Code deals with the penalty for forgery in India. As per this Section, the offence is punishable by a jail cycle elongating up to 2 years or fine or both. It is a non-cognizable, bailable offence in India that is triable by a Magistrate of the first class.
Lastly, it is advisable for you to seek help from a lawyer.
गुरुचरण सिंह
May 23, 2024
चेक बाउंस में रिटर्न मेमो पर बैंक की सील होती हैं या नहीं होती हैं।और चेक पर आगे पीछे चेक बाउंस की बैंक की सील होती है या नहीं होती है