Forged cheques
vinod datta
(Querist) 13 September 2014
This query is : Resolved
sir my self vinod datta i met with a person who deal in soaps and other good he meet on behalf of first impression soaps fake company he provide me a deal which i agreed to sign ,he asked me a token amt of rs 1100/- for the deal ,i had given him a post dated cheque in the name of his company fist impression soap after few days i had not recd any product bt instead of that i recd message on my cell phone that amt of rs 2lakh 30 thousand has been debited from my acount ,bt i know that there is no cheque payment of such amt i issued,immediately i call to branch they told me one person came with a cheque to withdraw amt of 2 lakh 30 thousand from my account which i had no idea,after that i come to know that cheque i issued to person from first impression company of amt 1100 know converted to amt of 2 lakh 30 thousand (actually the matter and detail on cheque is rough and rewrite by the person & amt 1100 converted to 2 lakh 30 thousand) this actual mistake of bank coz they dont ask me .
sir therefor i need ur help coz thana people not registering complain and bank manager is not coprating with us,what should i do plz help ???
Sudhir Kumar, Advocate
(Expert) 13 September 2014
you have to complaint at Thana and if not entertained then application to magistrate.
In case local thana is not registering you can register it at the thana where forged cheque was presented.
The criminal case will also lie against the person who introduced the account used for presenting the cheque.
Kumar Doab
(Expert) 13 September 2014
Was it not an a/c payee cheque?
Narrate all representation made to BM in writing (preferably drafted by your lawyer) and Escalate to Circle Head,Principle Nodal Officer, MD ,Chairman, Code Compliance Officer (of BCSBI),Vigilance cell of the bank,RBI.............................and demand certified copy of the image of the cheque by Redg. post too...................
Go to police station with written complaint (preferably drafted by your lawyer)and obtain acknowledgment with seal and signature, complaint number on your copy..........................if Munshi do not acknowledge then meet SHO in person and if he also do not comply submit complaint by email.........................and escalate to DCP/Commisioner/DGP...................
Approach media/Councillor of your area/community leader....................everyone and turn the heat on bank and BM................
If the matter is not resolved approach court of law.
Dr J C Vashista
(Expert) 14 September 2014
I agree with the experts, approach your bank and their head-offices with RBI. In case no action taken file a police complaint.
Anirudh
(Expert) 14 September 2014
Dear Mr. Vinod Datta,
You are telling the story as if it happened yesterday.
Please indicate the dates on which each event occured.
And your story that when you had given a cheque for Rs. 1100/- both in words and figures, have been changed to Rs. 2 lakhs and odd is simply unbelieveable.
Come up with exact facts.
vinod datta
(Querist) 14 September 2014
sir i went to police station thana incharge told me that kisko dhunde kon tha wo company fake hai usne cheque jo ac payee tha use covert kara mana amt change kara ye bhi mana bt kuch nahi hoga wo mastermind tha ab kahan dhunde agar aap ko phir bhi complain karna hai to karte hai aur mere aadmi ko mumbai bhej deta hoon aap dhoond lao in this way he is talking to me..........instead of help he sounds so much bulshit to me.....mr anirudh sir actually that is unbelievable fact bt how it happen i tell u,that man ask for cheque of token 1100 hundred amt he gave me a pen with that pen i wrote every thing on cheque amt sign word etc and itis acount payee one after few days i come to know with message from bank ,when i went to bank i saw entire thing on cheque he rough every thing accept signature it is clearly coming out when u see cheque....and that all happen with me ,sir ab aap batao kya karoon is that bank is liable ? coz bank managr bolta hai aapke sath good will hai isliye aapke fund hum bina puche pass karte hai bt meine kabhi nahi kaha aap favour karo jo formality hoti hai wo to karna chahiye ab jo mujhe nuksaan hua uska kya koi responsebility nahi lena chahta ek 500 hnd ka note das bar check karenge bt cheque nahi karsake.....jabki cheque pe saaf nazar aaraha hai kya karoon kya bank liable nahi hai sir. aap batao mein consumer forum ke vishaye mein bhi janan chahta hoon.
Anirudh
(Expert) 14 September 2014
Dear Vinod Datta,
Don't say what the policeman told to you was 'bullshit'. Please consider what you will do in case if you were in his place?
What you originally said in your post was in fact 'bullshit'. WHY DID YOU NOT SAY IN YOUR ORIGINAL POST THAT "he gave me a pen with that pen i wrote every thing on cheque amt sign word etc."
Again, you are not telling the truth. In which pen did you sign the cheque - whether with the pen that he gave you - or what?
vinod datta
(Querist) 14 September 2014
ya exactly sir with the pen which he given i sign and fill the entire cheque ,bt how u tell me that iam wrong at that place coz i dont even know that such kind of fraud is happening with me i considered that pen as the ordinary pen and i sign..........so what was my fault.........i had told every thing to police men bt instead he tell aapki galti hai sir, mujhse bas ye galti hui meine uske pen se cheque bhara btkya bank ko apne rule ko follow karte hue kaam nahi karna tha unhone us bande ki id tak nahi maangi ......ab mere hanth mein uski company ka fake card hai letter hai that all i had..........kya karoon sir agar aap behtar bataye to mein uske according kaam karleta hoon.
Anirudh
(Expert) 14 September 2014
Whether the amount was credited into the Account or paid across the counter as bearer cheque?
Kumar Doab
(Expert) 14 September 2014
You have posted that you issued a/c payee cheque and overwriting is visible with naked eye and you have visited the BM.
Did you demand certified copy of the image of the cheque from BM and if required higher officials in writing under proper acknowledgment?
If you are unable to handle the matter on your own approach an able lawyer and let your lawyer now draft all of your complaints and pull the bank also to court of law.
It shall be better to retain a lawyer.
ABDUL RAZIQUE
(Expert) 14 September 2014
I Agree with Expert Kumar Doab.
Dr J C Vashista
(Expert) 15 September 2014
Well advised by experts, nothing more to add.
Sudhir Kumar, Advocate
(Expert) 15 September 2014
I do agree with Mr Kumar Doab and Mr Anirudh.
I will add thatyou have to register FIR not only against the fraudster but also against the bank officials as a tampered chequ is passed.
You can approach RBI also.
vinod datta
(Querist) 16 September 2014
ANIRUDDH SIR CHEQUE IS BEARER CHEQUE ISSUED ACCOUNT PAYEE TO HIS COMPANY NAME BT CHANGEBY THAT FRAUD HE WROTE HIS NAME INSTEAD OF HIS COMPANY NAME...
Kumar Doab
(Expert) 16 September 2014
You have posted that you have filled the entire cheque and issued it as a/c payee in the name of company and this man changed everything and overwriting is visible with naked eye and bank has passed the cheque.................
Based on this you have been given sufficient resolution.
If you are unable to handle the steps that you should take......................approach a lawyer and let your lawyer handle it.
Dr J C Vashista
(Expert) 17 September 2014
The author is intensionaly concealing material facts, however, on the basis of information (whether true or false-the author knows well and we can just presume/guess)the experts have very well addressed his query, nothing more to add.
vinod datta
(Querist) 17 September 2014
THNKS FOR UR ALL HELP & SUGGESTION SIR INVESTIGATION IS ON THE TRACK KNOW THNKS AGAIN FOR UR SUPPORT VINOD DATTA
T. Kalaiselvan, Advocate
(Expert) 20 September 2014
In my opinion the query does not appears to be a genuine one, it is an imaginary query sought clarification to quest his academic thirst or making mockery of experts here. The story narrated here is unbelievable, the bankers will not be fools to honor the cheque having dubious impressions. Even in an ordinary circumstance also the bank clerk will be scrutinising the signature and other over writings, if not satisfied, he will straight away return the cheque unpaid, the story told by author seems to be folk tale.
