Hi,
- I have issued a cheque of Rs. 2,00,000/- to a builder in Mumbai as a flat booking amount . At the time of issuing a cheque, I had a sufficient balance in my account. I got 2 SMS and 2 different reasons of cheque dishonour i.e instrument is postdated and sign not. After my 2/3 calls and personal visit bank has not given me any information on the same. Again and again they were asking me to contact a builder and get an exact reason from them. They were passing their responsibility to a builder. I wasted 10 days on this. Finally, I decided to personally withdraw money through cheque to understand the reason behind cheque rejection. I tried to withdraw money from another branch of same bank through cheque but they were unable to give me money as my signature was not uploaded by my branch and they were unable to verify signature. That time I came to know that, my cheque got dishonoured because my signature was not uploaded in the system. I have opened an account in March 2013 and till Sept 2015 bank has not uploaded my signature due to which the cheque, I gave to builder got dishonoured.Afterwords, I collected a returned cheque and letter from the builder which is clearly indicating that “Drawers signature to operate an account not received”. I lost my creditability, time, money and gone through so much of mental stress, embarrassment when bank is in fault. I have given written complaint to the bank. By asking for an apology they are trying to escape without uttering a single word about the compensation I asked them. They have also, cut down my Rs. 242/- as a penalty. Please, suggest on this. Thanks.
