I had issued a cheque on which I had signed against overwritten figures, i.e., I had overwritten the amount in figures and I had signed against it.
Now from my account statement I see that bank has charged me the return fee for the cheque. However, the organization to whom I had issued the cheque has not sent me any info about this. They might have tried to reach me over the phone, but since I am busy at work for the past 2-3 days I am not taking any calls.
I assume that the reason for return of cheque is due to incorrect/ discrepancy in signature. Now, legally, is this an offence? If yes, what is the course of action can the party to whom I issued the cheque can take? Considering that I didn't do that signature mistake intentionally and am ready to issue the new cheque, will I get a chance to do that?
To be honest, I don't have good relationship with the organization to whom I have issued the cheque. So, what worst could happen?
Thanks for your help.