Bank me jab ham apna Account open karate hai, to bank hame kai tarah ki Facility deta hai, jese ATM Card, Debit Card, Credit Card, Pass Book, Check Book Etc Facility apne Customer ko deta hai, taki Customer ko kisi tarah ki koi Problem na ho.
Paiso ke Transaction ke liye ham adhiktar Check Book ka use karte hai. jab ham kisi vykti ko Check dete hai, to bank utna Account hamare bank se kat kar samne vale vykti ke Bank Account me Transfer karti hai, ya fir use Cash deti hai. kai vykti apne sath Cash le kar nahi chalet hai, iske liye vah Shopping karne ke bad bhi Payment Cash se nahi Check se karte hai.
Kai bar jab ham bank me Check lekar jate hai, to uska Payment bank hame nahi karti hai, bank hame kahti hai, ki Cheque Bounce ho gaya hai. kai logo ko Cheque Bounce ka matlab nahi pata hai.yadi apko bhi Cheque Bounce kya hota hai? pata nahi hai, to ham aaj apko batayenge cheque bounce kyu hota hai? cheque bounce kaise hota hai? cheque bounce ke karan kon se hai? cheque bounce hone par kya kare? In sab Question ke answer apko mil jayenge.
Cheque Bounce kya hota hai? (What is a check bounce)
Jab bhi ham kisi vykti ko Payment den eke liye apne Bank account ka check dete hai, to vah vykti us check ko 3 months ke andar bank me deposit kar apna paisa le sakta hai. yadi vah vykti 3 months ke bad yadi bank me check deposit karta hai, to us check ko Invalid mana jata hai, kyo ki check ki Validity 3 months ki hi hoti hai.
Cheque lene vala vyakti jab bank me Cheque deposit kar apna paisa lena chahta hai, to us smay apke Account me yadi utne paise nahi hai, to bank Cheque deposit karne vale vykti ko paise dene se mana kar deti hai. our us Cheque ko Bounce kar deti hai. is Process ko hi Cheque Bounce kaha jata hai. Cheque Bounce hona ek tarah ka crime hai.agar apka Cheque Bounce ho gaya hai, to apke khilaf legal actions liya ja sakta hai. jiske karan apko saja ya fine bharna pad sakta hai.
Cheque Bounce hone ke Niyam kya hai? (New Rules of Check Bounce)
Cheque Bounce hone ke par Parliament ne new law banaya hai. New Rules ke anusar Check Bounce hone par Victim court me ja kar case kar sakta hai. court complaint karne vale vykti ko paiso ka 20 percent amount Account holder ko dene ke Instructions deti hai. yadi court Account holder ko riha kar deti hai, to complaint karne vale vykti ko uske amount ko Interest ke sath dena hota hai. Cheque issued karne vale vykti ko 60 days ke andar ye amount deni hoti hai.
Cheque Bounce hone par Penality kitni lagti hai? (Check bounce penalty)
Cheque amount yadi jyada hai, to use 2 installments me deposit kiya ja sakta hai. is Condition me 60 days ke alava 30 days ka extra time milta hai. yadi aropi ko Trial court se yadi Satisfy nahi hota hai, to vah appellate court me bhi ja sakta hai. is court me Aaropi ko total amount ka 20 percent jyada dena hota hai. sath hi Check issued karne vale par 20 percent penalty bhi lagai jati hai. court Penalty amount ko 100 percent tak bada sakta hai.
Cheque Bounce Kaise Hota Hai? (How does a check bounce)
Check Accept tab mana jata hai, jab bank Check Deposit karne vale ko Amount de deta hai. lekin bank apko Payment karne se yadi inkar kar deta hai, to apka Cheque Bounce mana jata hai. ye Situation Cheque Bounce hone par us samay banti hai, jab bank Amount dene se mana kar deta hai.
Jab bhi Check Bounce hota hai, to bank Check Bounce hone ke Region ka ek Check Return Memo issued kar Payee banker ko Specified karte huye, recipient ko Bounce Check de deta hai. Check Bounce hone ke karan ka pata laga kar unhe pura karne ke bad Check issued date se Expiry date ke andar new Check issued karne ka apke pas option hota hai.
Cheque Bounce Kyu Hota Hai? (Why does a check bounce)
– Yadi apka Check overwritten hota hai.
– Signature absent rahta hai, ya fir check par kiye gaye Signature Bank sample signature se match nahi hota hai.
– Receiver name absent rahta hai, ya fir Clearly likha nahi hota hai.
– words and figures me written Amount match nahi hone par.
– Account number clearly likha nahi hota hai, ya absent rahta hai.
– Drawer bank ko Check payment dene se mana karne ka order deta ho.
– court ne law ke anusar bank ko check se Payment karne par mana kiya hoga.
– Drawer ne Account Closed kar diya ho. (check Presentkarne se pahle).
– Check payment ko pura karne ke liye bank account me Insufficient Amount ho, to.
– Bank ko Drawer ki death, Madness ki information mili ho.
– Check par kisi bhi tarah ka change karne par Drawer sign nahi hona.
– Date ko sahi tarah se likha nahi gaya ho.
Check Bounce Hone Par Kya Hota Hai?
Jab Check Bounce ho jata hai, to bank Check recipient ko Check return memo deta hai. jisme Check Bounce hone ka karan bataya jata hai. yadi vah ek bar fir Check ko bank me deposit karta hai, yadi use lagta hai, ki bank is bar Check Accept kar leta hai to, lekin is bar bhi yadi Check Bounce ho jata hai, to Legally
recipient Drawer ke khilaf court me case kar sakta hai. section 138 Act ke tahat Check Bounce hona ek Criminal offense hai. isme apko Monetary penalty ya 2 years ki jel ho sakti hai.
Penalty :-
Yadi koi Check Bounce ho jata hai, to uske liye bank dvara and recipient dono par Penalty lag sakti hai. Loan repayment ke against Rejected check hai, to apko Extra payment fee deni hoti hai.
Credit history ko hota hai Nuksan :-
Check Bounce hone se apki credit history par Negative effects hota hai. kyo ki apke Payment activities ko Financial institutions credit bureau ko Inform karta hai. agar apka Credit score best hai, to lender ap par believe karte hai. best Credit score hone ke liye apko kabhi bhi apna Check Bounce hone nahi dena hai. apka best Payment activities se best Cibil score banta hai.
Check Bounce hone par kya kare?
Kai bar ham sunte hai, ki Check Bounce ho gaya hai. Check Bounce hone par hame kya karna chahiye? ye Question har kisi ke man me ata hai. iske bare me sabhi ke pas Information hona bahut jaruri hai. agar apko sahi Information hogi, to apko hone vale nuksan se ap khud ko bacha sakte hai. Check Bounce us samay hota hai, jab apke bank Account me balance nahi hota hai. Check Bounce hone ke bad bank Customer ko ek Receipt dete hai, jisme Check Bounce hone ka karan bataya jata hai.
Check Bounce hone ka Main region bank Account me paise nahi hote hai, tabhi hamar Check bank Bounce kar deti hai. Check Bounce hone ke 30 day ke andar legal notice bheja jata hai. ap iske liye apne Lawyer ki help bhi le sakte hai. iske bad bhi yadi Check issued karne vala apko Payment nahi karta hai, to ap apne Lawyer ki help se court me Case kar sakte hai. court me Case jane ke bad aropi ko saja ke sath Check jitney Amount ka hoga usase Double Penalty laga sakte hai.
Cheque Bounce hone par kya action le sakte hai? (Legal action on cheque bounce)
Cheque Bounce hone ke bad apko bank Receipt dega, jisme Cheque Bounce hone ka Region bataya jata hai. bank ek date deta hai, jiske 3 Month ke andar apko dobara Cheque deposit karta hota hai. lekin Customer Legal Action leta hai, to Cheque Bounce hone ke 3 day ke andar Check issued karne vale vykti ko Notice bhej sakta hai.
Legal notice bhejne ke bad bhi yadi 1 Month ke andar Check issued karne vala vykti paise nahi deta hai, to ap Negotiable Instruments Act Under section 138 Criminal complaint kar sakte hai.
Apko apni complaint 30 day ke andar hi court me darj karni hogi. Yadi ap 30 day ke bad apni complaint court me le jate hai, to apko deri se ane ka karan batana hoga. agar apka reason court ko sahi nahi laga to, vah apka case lene se mana kar sakte hai.
Civil Case file kaise kare? (How to file a civil case)
Cheque Bounce hone ke bad apko Criminal case darj karne ke sath apko ek Civil case file karna chahiye. Jisme ap Cheque Amount ke sath Interest ke liye bhi Claim kar sakte hai. ap Civil case vaha par file kar sakte hai, jaha ap rahte hai, ya fir jaha apne Cheque deposit kiya tha.
Note :- yadi apko Cheque Gift ya donation me diya gaya hai, to ap kisi bhi tarah ka koi case file nahi kar sakte hai.
Kai bar Cheque Bounce hone par kya hota hai?
Yadi apka Cheque Bounce ho jata hai, to ye ek crime hai, our esa bar bar hota hai, to apko Fine den eke sath jel bhi jana pad sakta hai. bank apko check facility dene se mana bhi kar sakta hai.yaha tak ki bank apka Account closed bhi kar sakta hai.Reserve Bank of India (RBI) ke instructions ke According yadi kisi vykti ke 1 Crore rupees ke Cheque 4 bar Bounce hote hai, tabhi bank ap par ye action le sakti hai.
Section 138 kya hai? (What is Section 138)
check me likhi gai rashi jitna Balance account me nahi hone ke karan Cheque Bounce ho jata hai.ye ek crime ki category me ata hai. is crime ke liye Check issued karne vale vykti ke khilaf Action liya ja sakta hai, our use 2 year ki saja ke sath check amount ki Double amount deni pad sakti hai., lekin iske liye bhi kuchh terms Set kiye gaye hai.
– Cheque Bounce hona Crime category me tab ata hai jab bank me 6 month ya usase kam time me Cheque bank me Present kiya gaya ho.
– Cheque lene vale vykti dvara bank me Cheque Bounce hone ki jankari milne ke bad 30 day ke andar Check issued karne vale vykti ko Legal notice bhej kar unhe Cheque Bounce hone ki jankari dena chahiye. Our unhe kahna chahiye ki vah Cheque Amount ka jaldi hi Payment kar de.
– Check issued karne vale vykti ko Legal notice milne ke 15 day ke bad bhi yadi vah Cheque Amount ka Payment nahi karta hai, to vah unke khilaf legal actions le sakte hai.
Kiraye ka Cheque Bounce hone par kya kare? (Rental check bounce)
makan malik Kirayedar ki taraf se diye gaye Cheque ka Bounce hona bahut hi aam bat hai.is Situation me Cheque Bounce unke Bank account me paise ka nahi hota hai, ya fir makan malik Cheque ka sahi samay par Cash nahi karane ke karan hota hai.yadi Kirayedar ka Cheque Bounce ho jata hai, to makan malik ko iski jankari apne Kirayedar ko deni hogi.
Yadi iske bad bhi Kirayedar kisi tarah ki koi activity nahi karta hai, to makan malik Kirayedar ke khilaf Action le sakta hai. kai Kirayedar Home maintenance Expenses ko Kiraye me Adjust karna chahte hai, our Kiraye dene se mana kar dete hai. is Condition me Kirayedar ka Cheque Bounce hota hai, to ap unke khilaf legal action le sakte hai.
Loan EMI Cheque Bounce hone par kya kare? (Loan EMI Cheque Bounce)
Loan EMI Cheque Bounce hone par Check issued karne vale vykti par bank Legal action le sakti hai. lekin bank kabhi bhi apka ek Cheque Bounce hone par esa nahi kar sakti hai.pahli bar esa hone par ap par Penalty lagai jati hai, Loan default charge and check bounce charge lagaya jata hai.
Default amount har month badta hi jata hai, our ye apke Monthly instalments me add hota jata hai. isase apka Default credit rating kharab hota hai. yadi bank dvara bar bar Notice bhejne ke bad bhi Defaulter dues ka payment nahi kiya jata hai, to Bank apki Property ko nilam kar sakta hai.
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