[Resolved]  Canara Bank Vasant Kunj — Cheque returned without any reason

Address:

South Delhi, Delhi

Sir/M`m,
I am a SB a/c holder in Canara Bank, vasant kunj branch(PP School Extn, VK ). My SB a/c no is [protected]. I had deposited a chq of rs 18000/-(Chq no 486888) in my a/c in Corp Bk, vasant kunj on around 18.07.10. The chq was returned by Corp. Bank thro "Return memo report (CTS clearing)", dt 20.07.10, specifying the reason "Contact drawer/ drawee bank & present again". My spouse went on 22.07.10 to Canara Bank, VK br to check the reason. The officer in charge on duty that day did not even want to look at the returned chq, leave aside tell the reason & gave some flimsy explanation for not knowing.

I had sufficient balance in my a/c. My signature & other details on chq are correctly filled(I still have the returned chq). So reason for returning chq. is not at all clear. As instructed on return memo, neither I (as Drawer) nor the VK branch (as Drawee Bk) know the reason. I did not present the chq again (as instructed in the return memo), because unless reason for returning in the 1st instance is known, it would have been futile to present again. Some one would have returned again giving same or some other vague reason.

Pls also appreciate that it has caused unnecessary harassment to me & also Corp bk has deducted Rs 50/ as "chq return charge". Further, I was held up to use the amount in my account.

On 01.08.10, I sent an email to DGM-HRM SECTION, CIRCLE OFFICER,
CANARA BANK, NEHRU PLACE, ND . But till date no acknowledgement/ reply has been received from his end. Is it customary in Canara Bank at all levels not to respond/help?. So I am turning to you for help.

I also want to know whether it is right & legal for banks to deduct "cheque return charge" from the account of the cheque depositor if the deposited chq. bounces. In such cases what is the fault of the depositer? Now this practice is being followed rampantly by almost all banks.

Request for an early action & reply.
Thanks,
Yours sincerely
(R.Gopal-HUF), 0-[protected]