Dear Mr.Ramesh,

You have scratched and destroyed the cheques.As of now they are of no use.Hence forget about it.

You have posted that:

--"bank people asked us to destroy the unused  cheuqes on our own and taken a declaration as I have destroyed all the unused cheques." You may reply to the bank by letter under acknowledgment on copy with seal and signature that  instructions of the bank on the day a/c was closed were complied with by a/c holder and now the bank can not awake after 1.5 years of a/c closure and start troubling you, and in any case bank can not honour any cheque from closed a/c. If there is any issue which has come to bank's notice or in future bank shall inform you giving one month's notice under original seal and signature on letterhead by redg/speed post only. If the baqnk wishes to charge for redg/speed post or want you to provide self addressed postage prepaid envelopes, bank should do so in writing citing concerned  rule of the bank  and law of the land vide which such a rule is framed. You may specifically mention that any communication which is not signed and stamped and sent by ordinary post/courier shall be deemed as having not sent by the bank.

Bank shall deem the date of closure of the a/c as date on cheque and thus all cheques are time barred. Hence there is no responsibility on your part.

--"i remember I have scratched on all the cheques and written as cancelled in bold letters before going to bank for closing the account." A cancelled cheque can not be allowed to be encashed by the bank.

If you have truly stated that you have scratched the cheques, then it definitely cannot be encashed.

If you have truly scratched the cheques, then it definitely cannot be en-cashed.but if have not scratched the cheques and some one misuse the cheques you have to face the problem & burden of prove lies upon you to prove that cheques were not given under any transaction.

You may files the complaint in police station on behalf of your wife.

Dear Ramesh,

Refresh your memories, in case you are sure that those unused cheques were not signed by your wife, the account holder, nothing worst against her can happen, whether or nor you scratched, cancelled those cheques.

So far as the bank is concerned, you may inform you that you have destroyed the cheques, once account ws closed and you are not in position to submit those cheques now.

Thankyou Sir,

I remember I have scratched few cheque books.I am not sure whether I scratched all the cheque books or not.

I have not audited / verified my cheque usage like  how many cheque books issued from Bank,how many are presented and honoured, how many are unused etc.I am in a confused state,as I was under going medical treatment at that time.

Luckily nothing happened sofar.

Please advise me what all could be done to safeguard in future.