Cheque Bouncing

Deepak (Querist) 19 October 2009 This query is : Resolved
Sir,
I have cheque from party, his a/c with hdfc bank and my ac with UBI. Since all the details are correctly written on the cheque, but by mistaken on the back side of cheque party written my a/c no. with sbi bank. But due to funds requirement i have deposited this cheque in my UBI a/c by cut down my a/c no. written on the back of this cheque.

After 3 days, bank declined cheque due to mention of a/c no. of sbi bank.

Did bank does?
Pls suggest .
Thanks

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A V Vishal (Expert) 19 October 2009
ANY STRIKING OFF ON THE CHEQUE MUST BE DULY ATTESTED BY THE PARTY ISSUING THE CHEQUE, YOU NEED TO TAKE A FRESH CHEQUE OR VALIDATE THE OLD ONE AND REPRESENT THE SAME.

Message likes : 1 times

mahesh kumar yadav (Expert) 19 October 2009
yes i agree with A V Vishal

Message likes : 1 times

Deepak (Querist) 19 October 2009
But it is a high value chq for which bouncing fees imposed by bank is Rs. 256 and it is issued by party reside at banglore and i m in delhi. what step would be taken

pls advice

H. S. Thukral (Expert) 19 October 2009
Put it in SBI Account and bear the debit on account of bouncing of cheque. You can claim back this amount if the dishonour of the cheque on this reason is illegal.

adv. rajeev ( rajoo ) (Expert) 19 October 2009
any correction on the cheque requires the signature of the person who has issued a cheque.
bank has rightly done.
Get the signature of the person who issued a cheque to you where you have made correction/strikeout.

Sachin Bhatia (Expert) 19 October 2009
You need to take signature of the person who issued a cheque to you where you have made correction. No you can not claim bouncing fees imposed by bank.

joyce (Expert) 19 October 2009
I agree with Vishal, raj and sachin.get the cheque with due signatory thru RPAD, n re honour the same to the bank. other wise , can u try for any internte- banking if possible to this problem. This system is any way strated in due course of time, hope in Delhi & Bangalore as well as they are Metro's.