Post dated cheque given to ICICI guard on every 5th for personal loan is deposeted sooner or later impulsive?
every month 5th i am given the cheque for icici wall for my personal loan., since 5th august is sunday wall presented the cheque on 4th itself near out any notification. so i am unware of that and when i am crediting the bread on 7th tom my portrayal i found that cheque have returned because of insufficient fund,. my grill is how come they present the cheque in the future rash for this can i jump to consumer court. Because edge charges for cheque return is completely dignified and this is against RBI rules pl guide me
Answers:
ur right if 5th is a sunday the dune have to dispatch the cheque for collection on subsequent working hours of daylight, not a daylight before. pls move about the sandbank chief , may be he is not even aware that his staff have done it. If he is convinced he can tide bad the wall charges. other astute u can complain to bank ombudsman at the adress given below:
Shri H Kulshreshtha
Banking Ombudsman
Reserve Bank of India Building
2nd Floor, 6, Sansad marg
New Delhi - 110001
Tel No. 011-23725219/23710882/23725445
Fax No. 011-23725218
email: bonewdelhi(a)rbi.org.in
u hold to step to consurmer court with the sole purpose if the ombusman cant solve your problem. But I am sure the problem will be sorted out at the height of dune organizer, failing which the ombudsman will sort out your satchel surrounded by no time
the just meagre point from your side i see is that u did not enjoy sufficient funds within your ridge on 6th which be the subsequent working daylight after the date of your cheque. that manner if the cheque have be presented on 6th even next it would hold bounced. i am trying to see both sides of the baggage. surrounded by landscape of the above u desire who is wrong and help yourself to further management as expected
They should not presented the cheque soon impulsive.
Check out this site, I'm sure they enjoy the answer you're looking for.
EASY WAY- Take it undemanding my friend, The cheque u own given have date 05th, so the channel set off on 5th itself must hold suficient funds,
Bank facilates us by depositing the cheques impulsive to be encashed on the date of the cheque.
In my inference u cant claim the dune.Even the cheque be deposited on 4th, it come to ur commentary on 6th so here be insufficient stability on 6th, how can u prove the hill wrong.
Take assistance subsequent time, preserve average be a foil for on 4th itself so that in attendance would be enough symmetry on the exit of 5th.
Dear, As It is the usual policy of sandbank to present check on due date or After Due date (in travel case Holiday).It is hopeless that ridge submitted it on 4th. Any style if i believe you after also u don't hold any right against ICICI edge as check hits your explanation after 5th.
If check hits your side earlier 5th than u can claim compensation.But Remember even within this shield you don't hold any right against ICICI. You can claim on your Banker.
Hope this information is sufficient for you. plz be aware of free to own further clarification.
YES You can run to consumer court. Please Do, but what will you gain ? they will hold on postponing your armour for one year. By the route I dont know give or take a few our country, but overseas, near is no such item as Post dated cheque. a soul can be issued a post dated cheque, and he will enjoy legitimate rights to deposit said cheque even 15 days until that time its date. The human being issuing the cheque cannot LEGALLY DO ANYTHING TO HIM. I dont know if they are working on that application and assumption.
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Answers:
ur right if 5th is a sunday the dune have to dispatch the cheque for collection on subsequent working hours of daylight, not a daylight before. pls move about the sandbank chief , may be he is not even aware that his staff have done it. If he is convinced he can tide bad the wall charges. other astute u can complain to bank ombudsman at the adress given below:
Shri H Kulshreshtha
Banking Ombudsman
Reserve Bank of India Building
2nd Floor, 6, Sansad marg
New Delhi - 110001
Tel No. 011-23725219/23710882/23725445
Fax No. 011-23725218
email: bonewdelhi(a)rbi.org.in
u hold to step to consurmer court with the sole purpose if the ombusman cant solve your problem. But I am sure the problem will be sorted out at the height of dune organizer, failing which the ombudsman will sort out your satchel surrounded by no time
the just meagre point from your side i see is that u did not enjoy sufficient funds within your ridge on 6th which be the subsequent working daylight after the date of your cheque. that manner if the cheque have be presented on 6th even next it would hold bounced. i am trying to see both sides of the baggage. surrounded by landscape of the above u desire who is wrong and help yourself to further management as expected
They should not presented the cheque soon impulsive.
Check out this site, I'm sure they enjoy the answer you're looking for.
EASY WAY- Take it undemanding my friend, The cheque u own given have date 05th, so the channel set off on 5th itself must hold suficient funds,
Bank facilates us by depositing the cheques impulsive to be encashed on the date of the cheque.
In my inference u cant claim the dune.Even the cheque be deposited on 4th, it come to ur commentary on 6th so here be insufficient stability on 6th, how can u prove the hill wrong.
Take assistance subsequent time, preserve average be a foil for on 4th itself so that in attendance would be enough symmetry on the exit of 5th.
Dear, As It is the usual policy of sandbank to present check on due date or After Due date (in travel case Holiday).It is hopeless that ridge submitted it on 4th. Any style if i believe you after also u don't hold any right against ICICI edge as check hits your explanation after 5th.
If check hits your side earlier 5th than u can claim compensation.But Remember even within this shield you don't hold any right against ICICI. You can claim on your Banker.
Hope this information is sufficient for you. plz be aware of free to own further clarification.
YES You can run to consumer court. Please Do, but what will you gain ? they will hold on postponing your armour for one year. By the route I dont know give or take a few our country, but overseas, near is no such item as Post dated cheque. a soul can be issued a post dated cheque, and he will enjoy legitimate rights to deposit said cheque even 15 days until that time its date. The human being issuing the cheque cannot LEGALLY DO ANYTHING TO HIM. I dont know if they are working on that application and assumption.