Cross bearer cheque payment

NISHIT SHAH (Querist) 20 July 2014 This query is : Resolved
Please let me know, if the banker received a cheque from it's account holder for clearing purpose, in which name of other person as payee is written, but the same appearas simple cross and bearer. Can Banker process it for clearing purpose and send it to the drawer's bank for it's clearing and get credit of it in to the saving account holder with it ?

COLLECTING AND PAYING BANK IS SAME AND CLEARING CHEQUE PAYMENT MODE BY TRANSFER

Suppose NISHIT has deposited cheque with NUTAN Bank where in he maintained saaving account.
Cheque drawn in favour of NIRAJ issued by NIPA. Cheque is simple cross and also bearer.
Can NUTAN Bank give deposit/ clearance in favour of NISHIT, in his account, amount of cheque.
If the cheque is deposited with wrong OR good intention, is there any liability as collecting same as paying banker ?
Please advise with some relavent decision on same line. Thank you.

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Dr J C Vashista (Expert) 21 July 2014
Procedural and academic query. Contact your banker.

Devajyoti Barman (Expert) 21 July 2014
Looks like imaginary query.

Guest (Expert) 21 July 2014
Vague query. Discuss about the real problem, if you have any.

ajay sethi (Expert) 21 July 2014
academic query

T. Kalaiselvan, Advocate (Expert) 23 July 2014
Most of such people are attempting to waste the experts valuable time by posting such irrelevant and academic queries which can be answered by their tutors in the class room.