Cheque book issue

@Adish,

Hypothetical query.

Govt. a/c is operated by two officials/ signaturies,

1. The banker has to issue fresh cheque book on demand/requisition after comparing signature of demanding person (as in the case of passing a cheque drawn on the bank.

2. The banker do not maintain the record of blank/ unused cheque leafs/books held with the customer.

3-4. Lodge  a police complaint.

Engage a local lawyer.

Dear Querist

Bank can not issue the cheque book without any application either online or through written application submitted by the account holder, file a complaint before consumer court and also file a criminal complaint against the bank if there is any lose from this act. the bank is responsible.

First get hold of cheque requisition slip, cheque issued register entry or any acknowledgment by filing RTI Application through Bank.  This must have been done only by those persons who are near to client, and well known to banker, as for every cheque requisition slip attached in cheque book contains account number, and has to be detached from cheque book invariably, and customer must be in a position to identify such removal.

It is not proper to question bank on trivial things that are not material.  Now a days in consumer loans, post dates cheques are being given to several institutions  and those may not be presented in order.  Giving a cheque book, after proper verification of signature is not negligence.

If cheque book is issued in branch, the cheque book is delivered to authorize person only and an acknowledgment is obtained by bank.

The unused cheque record is available in bank.

The a/c holder can ask the bank, stating the reason as issued to unauthorized person, in writing ander proper acknowledgment to cancel the cheques in its record.

I am surprised as to how a Bank can permit savings bank account to Govt., dept., and pay interest on it for the budged amounts and when there are restrictions on number of withdrawals and amount to be withdrawn in each case.

You can only confirm whether issue of cheque book was in order or not by comparing the Requisition slip, Cheque issued register, person who acknowledged that, and process involved in that dept., in keeping custody of cheque book and accounting while writing cheques.

Presently cheque book is being despatched by post//courier and not by hand, which minimises such occurance as stated by author.

Originally posted by : Dr J C Vashista 9891152939
	Presently cheque book is being despatched by post//courier and not by hand, which minimises such occurance as stated by author.

Yes you are right sir, but bank told that for govt dept we can provide cheque books by hand, because govt dept may need it on urgent/regular basis. Bank also told that we are giving cheque books in such way from so many years. Court also told that Its not an big issue.

Means there is no value to RBI rules ?

please told me now what can I do ?

Originally posted by : Kumar Doab
	If cheque book is issued in branch, the cheque book is delivered to authorize person only and an acknowledgment is obtained by bank. The unused cheque record is available in bank.   The a/c holder can ask the bank, stating the reason as issued to unauthorized person, in writing ander proper acknowledgment to cancel the cheques in its record.

Yes you are right sir, but bank told that for govt dept we can provide cheque books by hand, because govt dept may need it on urgent/regular basis. Bank also told that we are giving cheque books in such way from so many years. Court also told that Its not an big issue.

Means there is no value to RBI rules ?

please told me now what can I do ?

Please remember day to day official procedures are different from RBI guidelines.  Only in special circumstances RBI may direct through guidelines or through directives and they do not involve in petty matters that include issuing cheque books across the counter against cheque requisition either by customer or his agent.

There is no process of even checking unused leaves while issuing and the cheque numbers issued will be entered only after issue.

The cheque book can’t be handed over without authorization and acknowledgment.

Unused chuqes are seen.

The RBI has certainly issued guidelines and RBI guidelines have statutory force.

 The Bank formulates its internal policy on the lines as advocated by RBI.

The RBI guidelines, Bank’s internal policies are available on Bank’s website and are to be kept in branch and bank is under obligation to provide the published version to customer without any cost.

The BM is not running a ‘Lala ki Dookan’ that it can do whatever it wants………………………..and whatever it does becomes a practice.

Relate the actual incidence with rules/polices and pinpoint variance and transgression.

Otherwise in the absence of a concluding action the interactions with BM/Bank is nothing more than chatting and the chatting wont take you anywhere.

You may go thru:

RBI:

>>> Master Circular on Customer Service

5.7.1.: Issuing large number of cheque books

 (issued to Public Sector Banks)

Banks may issue cheque books with larger number of (20/25) leaves if a customer

demands the same and also ensure that adequate stocks of such cheque books 20/25

leaves maintained with all the branches to meet the requirements of the customers.

Banks should take appropriate care while issuing large number of cheque books. It

should be done in consultation with controlling office of the bank.

https://rbidocs.rbi.org.in/rdocs/content/PDFs/DBODMC010710.pdf

>>>>

RBI/2012-13/444
DPSS.CO.CHD.No. 1622/04.07.05/2012-13

March 18, 2013

b…………… banks may continue to follow their existing policy regarding cheque book issuance for additional issuance of cheques, in adherence to their accepted Fair Practices Code.

https://www.rbi.org.in/scriptts/NotificationUser.aspx?Id=7895&Mode=0

Very well explained  by expert Sh. Kumar Doab, I agree.

The querist is not coming out with the facts, first of all he govt. a/c cannot be savings account, second place banks are not so stupid that they will issue cheque books to whomsoever is asking without proper verification or signature of receiver, next there is a proper procedure followed when govt cheques are honored, here has to be atleast two authorised signatures.  I think the querist is taking advantage by taking cues from here to cover up some illegal things that have taken place or is very hypothetical in his query.

Mr Kumar Doab has dealt with the issue best possible under given facts.

Actually the author is not coming with full facts.  The Govt lawyers will be of no use to him.  Probably he is facing some prospects of some disciplinary/criminal action on charge of fraud and misappropriation.  Either he is hiding facts of not aware of himself.  Either way he himself will suffer wrong  advise based on half facts