Mujhe diya gaya cheque bounce ho gaya. Ab kya karun?
Simple answer
Agar cheque kisi real debt ke liye tha, toh criminal case kar sakte ho. Bank ka return memo milne ke 30 din mein written demand notice bhejo. Notice milne ke 15 din mein payment na ho, toh agle ek mahine mein complaint karo.
Real-life examples
Karan ne dost ko ₹2 lakh udhaar diye, jisne chukane ke liye cheque diya. Cheque 'insufficient funds' se bounce ho gaya. Karan ne 30 din mein notice bheja; 15 din mein paise nahi aaye, toh usne Magistrate ke saamne complaint file ki.
Vikram ka supplier ko diya cheque bounce ho gaya. Notice milne ke baad usne 15 din ke andar poori raqam chuka di. Time par payment karne se koi offence nahi banta.
Thomas ke uncle ne birthday gift mein cheque diya, jo bounce ho gaya. Yeh kisi debt ke liye nahi tha, isliye cheque bounce case nahi banta.
Aapko kya karna chahiye?
- 1Original cheque aur bank ka return memo (jismein bounce ki wajah likhi hai) sambhal ke rakho.
- 2Memo milne ke 30 din ke andar cheque dene wale ko registered post ya speed post se written demand notice bhejo. Receipts sambhal ke rakho.
- 3Notice milne ke din se 15 din wait karo. Poora payment ho jaye toh matter khatam.
- 4Payment na ho toh un 15 din ke baad ek mahine ke andar, us court mein Magistrate ke saamne complaint karo jahan aapki bank branch hai.
- 5Court se interim compensation maango; trial ke dauraan court cheque amount ka 20% tak dila sakti hai.
- 6Compromise ya Lok Adalat se settlement ke baare mein bhi socho. Paperwork ke liye lawyer se baat karo.
Exceptions aur zaroori baatein
- Agar cheque legally enforceable debt ya liability ke liye nahi tha, jaise gift, toh criminal case nahi banta.
- Complaint ki ek mahine ki deadline nikal gayi? Sufficient cause dikhane par court late complaint le sakti hai. Paise ki recovery ke liye civil suit bhi kar sakte ho.
- Cheque uski validity ke andar jama hona chahiye, jo usually us par likhi date se 3 mahine hoti hai.
Official legal reference
Negotiable Instruments Act, 1881 — Section 138
Debt wala cheque bounce hona offence hai, agar 30 din mein notice ke baad 15 din mein payment na ho; 2 saal tak jail, double tak fine, ya dono.
Negotiable Instruments Act, 1881 — Section 142
Cheque paane wale ko cause of action ke ek mahine mein, apni bank branch wale area ke Magistrate ke saamne written complaint karni hoti hai.
Negotiable Instruments Act, 1881 — Sections 143A, 148
Trial mein court 20% tak interim compensation dila sakti hai; appeal mein convicted drawer ko kam se kam 20% deposit karna pad sakta hai.
Negotiable Instruments Act, 1881 — Section 147
Cheque bounce offences compoundable hain: parties compromise se settle kar sakti hain.
Code of Civil Procedure, 1908 — Order XXXVII
Cheque, promissory note jaise written documents par baaki paise ki jaldi recovery ke liye summary civil suit.
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Source aur status
- Kahan lagu
- Poore India mein
- Law lagu hua
- 1 Apr 1989
- Legal review
- Draft — lawyer review baaki hai
Yeh educational jaankari hai, aapke case ke liye legal advice nahi. Exact facts aur lagu law matter karte hain — kuch karne se pehle lawyer se baat karo.