Legal Question in Banking Law in India
Once a cheque is issued and debited from my account, is there any legal way to claim it back, in case of a miss use or fraud done with my cheque? For example if the name of the person to whom i issued a cheque is changed to different person's name (in a way that the forging is not visible).
I just need to know if there is a legal way to even do this.
4 Answers from Attorneys
File criminal complaint for forgery. A qualified forensic expert can even detect such forgery.
Kind Regards
Setu Niket
Advocate
Delhi High Court
+91-9873109672
05.03.2013
Dear Sir / Madam,
It is the responsibility of the teller passing the cheque at the bank to verify whether the payee details have been fraudulently changed, and to stop payment of that cheque and refer to the drawer.
You can lodge a complaint for recovery of the amount wrongly debited to your account by the bank.
Regards,
FCA Prashant Chavan
Mumbai
(You can also mail me for any further on-line advice at [email protected])
It is the bank's responsibility to verify that no alteration has taken place on cheque. If you are able to prove alteration, you can recover money from the bank.
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