I had given a chq to a client dtd 15-03-19. However he deposited it on 05-03-19 and by banks error it got credited from my account. But at the same time it also got debited back.
Can i file a case on the bank?
Chirag Thakkar 06 March 2019
I had given a chq to a client dtd 15-03-19. However he deposited it on 05-03-19 and by banks error it got credited from my account. But at the same time it also got debited back.
Can i file a case on the bank?
Rashi Chandok 07 March 2019
Dear Sir,
I would like to suggest you go step by step and first you should send a legal notice asking for compensation for the same. In case, you are not satisfied with their reply then you can file a case against the bank and claim for compensation you require.
Chirag Thakkar 07 March 2019
Chirag Thakkar 07 March 2019
Shashi Dhara 07 March 2019
G.L.N. Prasad (Retired employee.) 07 March 2019
Chirag Thakkar 07 March 2019
Chirag Thakkar 07 March 2019
Chirag Thakkar 07 March 2019
Chirag Thakkar 07 March 2019
G.L.N. Prasad (Retired employee.) 07 March 2019
There is a confusion.
The Bank has to charge expenses for returning of the cheque.
The cheque was ultimately returned as it was post dated.
As the cheque was returned, irrespective of the reason the system debits that amount without interference from employees.
There are several things you are ignoring like giving post dated cheque, builder and his banker presenting the cheque without verification of validity of the date, paying banker debiting the account etc.,
On what ground you state that banker should not collect returning charges when there was a return of the cheque.
Yes. Manager is having such powers and can credit back the amount as it was post dated and there was no motive/negligence on your part and any sensible manager obliges such request.
Chirag Thakkar 07 March 2019
Chirag Thakkar 07 March 2019
Chirag Thakkar 07 March 2019
Dr J C Vashista (Advocate) 09 March 2019
@ Chirag,
Bank shall never repeat "NEVER" do such mistake as stated.
However, for the sake of arguments, which is otherwise not accepted, the bank shall not credit the cheque amount in the drawer's account.