Legal Question in Credit and Debt Law in India

Full payment made before cancelling cheque

Hi,

I deposited a citibank cheque for my CC payment for the month of September 2008. For some reason, the Cheque did not realize for that month. So I payed the bill along with late payment fees + service charges by cash the next month. Then I cancelled my cheque.

After that I cancelled my credit card. Four months later they send me an SMS that they received my cheque and subsequently they charged me for cheque bounces. Now they claim that I have to pay a due of 2000.

My question is what is my legal position on this? Am I really liable to pay the amount that they claim now after so many months since I closed my CC account?


Asked on 5/20/09, 5:48 am

2 Answers from Attorneys
Sudershan Goel India Law Offices of Sudershan Goel - Advocate

Re: Full payment made before cancelling cheque

They may be entitled to the cheque bouncing charges as per your contract executed at the time of account opening.

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Answered on 5/21/09, 11:18 am
KAMAL GROVER

Re: Full payment made before cancelling cheque

No they cannot claim

For more enquiry plz contact

Regards

[email protected]

Mobile: 09814110005

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Answered on 5/20/09, 10:13 am


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