claim on Bank
Querist :
Anonymous
(Querist) 21 May 2011
This query is : Resolved
Dear sir,
i am resident of west Delhi and runs a proprietary concern. My nature of business is such i get commission on C&F. On day morning when i went to draw some amount from the bank (syndicate bank) found my balance to be less by 6 lakh which were part of my remuneration out of which i had to give payments and salaries. Bank informed it was a cheque cleared on the name rahul arora , holder of a/c in HDFC bank. I have never given any cheque to any body of this amount and i dont know the person. when i checked by cheque book one of the cheque was missing after leaving 8-9 cheques .
My Bank cleared the cheque with forged signature, when they checked with HDFC bank it was fond that the a/c where my money was transferred (HDFC) was forged with wrong address , telephone number etc... and the whole amount has already been withdrawn in cash.
i have logged a complain in this regard in police station who are enquiring the same. and have given a letter of questioning to my bank syndiate bank who says it is responsibility of HDFC bank since money was transferred there.
i am very confused as i don't think the person will be caught as it already been 10 days since the incidence .
now i want to know how should i proceed with putting a claim on bank (syndicate )since they passed my forged signature cheque and other Bank ( HDFC) who opened forged a/c for such transaction to take place . which bank is responsible and how should i proceed.
This money is very huge for me , and will effect badly circulation of business, pls help me i am in trouble.
looking forward to you valuable inputs .
Guest
(Expert) 22 May 2011
Have you seen the cheque to verify your signature whether forged or genuine? The cheque may be available with your own bank.
Unless you prove the fakeness of signature you cannot hold syndicate bank responsible. HDFC Bank is not dirctly responsible to you. If you can proved that the syndicate bank passed wrong transaction, it will be the responsibility of your bank to compensate yo, irrespective of whether it settles the dispute with the HDFC bank.
But, I suspect one of your own employee may also be involved in this fraud, who usually would be having approach to your cheque book and the bank to deposit or withdraw the cheques or cash on your behalf.
