चेक बाउंस — Cheque Bounce Case Guide (Hindi)
Kisine aapko cheque diya aur woh bounce ho gaya? Yeh ek criminal offence hai. Negotiable Instruments Act Section 138 ke tahat aap case karke apna paisa aur damages wapas pa sakte hain.
1. Cheque bounce hone par kya karein?
- Bank se Return Memo lein: Jab cheque bounce hota hai toh bank ek "cheque return memo" deta hai jismein bounce ka karan likha hota hai (insufficient funds, signature mismatch, etc.).
- Legal Notice bhejein (30 din ke andar): Cheque bounce hone ke 30 din ke andar cheque dene wale ko registered post se legal notice bhejein. Notice mein 15 din mein payment ki demand karein.
- 15 din ka wait karein: Notice milne ke baad 15 din ka time dein payment ke liye.
- Court mein case file karein: 15 din mein payment na mile toh agle 30 din ke andar Magistrate court mein Section 138 ke tahat complaint file karein.
2. Important time limits
- Cheque 3 mahine ke andar bank mein jama hona chahiye (cheque ki date se)
- 30 din ke andar legal notice bhejna zaroori hai (bounce hone se)
- Notice ke baad 15 din wait karein
- Phir 30 din ke andar court mein case file karein
- Agar yeh time limits miss ho gaye toh case kamzor ho jaata hai!
3. Saza aur muaavza
Jail: 2 saal tak ki kaaid ho sakti hai.
Jurmana: Cheque ki rakam ka do guna tak fine ho sakta hai.
Compensation: Court cheque ki poori rakam + interest + damages dilwa sakta hai.
Cheque bounce ka case karna hai?
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