Wrongly Cheque Bounce By SBI

Daljeet Thind (Querist) 16 September 2017 This query is : Resolved
I have issued a cheque of my SBI SAVING A/c of Rs 11566/- To Oriental Insurance Co. On 1/09/2017 For my Car Insurance which was expiring on 04/09/2017. I was informed by Bank via SMS that my cheque was bounce as on 09/09/2017 & on same day i paid Rs 11566/- To insurance Co. . On 16/09/2017 I have received a registered leter from insurance Co. (Dispatch Date 13/09/017) that my cheque issued on 01/9/2017 is bounced due to Insufficient Fund and my Car policy is canceled , but as per my statement there is sufficient balance in my account during these period. Can put a case for MAAN HANI or Harassment?

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Isaac Gabriel (Expert) 16 September 2017
Check the status with the Insurance company since u have paid cash.

Dr J C Vashista (Expert) 17 September 2017
Check with your banker for the reasons of dishonouring your cheque.
No case for harassment/maan hani is made out, however, you can move to Consumer fora for deficiency of service and/or Banking Ombudsman for necessary action, if the cheque was dishonoured for invalid reason.

Guest (Expert) 17 September 2017
Well advised by experts.

Advocate Bhartesh goyal (Expert) 17 September 2017
I too agree with experts.

Rajendra K Goyal (Expert) 17 September 2017
Agree with the expert Dr. J.C. Vashishta ji, file consumer complaint.

Guest (Expert) 17 September 2017
Mr RK Goyal do not misuse the photo of an innocent child with out the permission/approval of its parents

Guest (Expert) 17 September 2017
Mr RK Goyal is a fit person to be booked under Child Abuse Act 2010

R Trivedi (Expert) 18 September 2017
Nowadays, cheques are not sent physically in clearing houses, the scanned images are sent for clearing. Many a times it may happen that scanned image is improper and the cheque is dishonored. At the best you take a letter from the bank and forward the same to insurance company if you do feel to convey to them about the cause beyond your control.

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