Wrongful dishonour of cheque (Others)

This query is : Resolved

Author : Dr Siva

PRO CHAT CALL

Posted On 12 June 2012 at 12:08

One and half year back, ICICI bank wrongfully dishounored my cheque. I have documentary proof for the dishonor and existence of enough balance in my bank account.
will any one help me to sue ICICI bank in consumer court?
Dr Siva
9884273151

Expert : ajay sethi

PRO CHAT CALL

Posted On 12 June 2012 at 13:51

what were reasons for dishonour? did you have sufficent balance in your account? what was loss suffered by you on account of dishonour?

Author : Dr Siva

PRO CHAT CALL

Posted On 12 June 2012 at 14:25

Sir,
I gave 12 PDCs of ICICI Bank to Tanishq. They were depositing the cheques and were getting paid. But in one month, a cheque was returned with a slip" Insufficient funds".

When I visited the shop with some of my respectable relatives like inlaw, they told that I should pay the amount in cash as one of my cheques was bounced for want of funds. I felt embarassed and humuliated, when the cheque of Rs 2000 was bounced for want of funds.
When I sent e mail to ICICI bank, they said that "as per their records the cheque was not used by me".
But I have the usedand bounced chequ with bank seals and also a slip issued by the bank saying" Insufficient funds".
I think I have a fit case. Iam a Chief Manager (Finance) in a major Public Sector Company withreputation.
Hope I have given details reqd.

Expert : ajay sethi

PRO CHAT CALL

Posted On 12 June 2012 at 14:33

forget it as bad experience . if you go to consumer forum you will end up spending up more than Rs 2000 on legal fees

Expert : adv. rajeev ( rajoo )

PRO CHAT CALL

Posted On 12 June 2012 at 17:15

file a consumer case against the bank. Wrong ful dishonour comes under consumer protection a

Expert : R Trivedi

PRO CHAT CALL

Posted On 13 June 2012 at 13:16

Personally speaking, you are well off and you must bring the case to logical conclusion. The bank is question although very big but does not hold or command corporate respectability, main reason is substantial high ended and casual approach of the staffs.

One more thing, never give, any related Bank Account number to ICICI Bank, they will debit your other outstandings with this account, without your information, which is a criminal offense. No bank can debit its customer's account without information.

Moreover for this dishonor, ICICI Bank would have debited certain money like Rs. 150 or so from your account, you need to get it back with substantial compensation. Go ahead with the case, if you have resources.

Expert : Advocate Bhartesh goyal

PRO CHAT CALL

Posted On 13 June 2012 at 14:07

The act of bank was definitely comes under the purview of providing deficit services to you also from such act of bank you got mental harassment so file a complaint agaist bank in consumer forum and claim compensation.