To,
The branch manager,
Aerodrome road, branch
Indore (M. P.)
Subj.:- regarding cheque return and compensation.
Respected sir,
I manish gupta having a c/a no.[protected] name of shri falodi collection at bob aerodrome road branch. An issued cheque no. 000761 has been returned yesterday by bank although having sufficient balance showing reason insufficient fund. Yesterday i complaint it to the branch by 04:30 p. M., as it was very important and affected our credit and market value also.
But from the bank side no necessary action will be taken well in time resulted cheque bounced and we felt guilty as well our credit affected badly. (My od limit is. Rs.18, 00, 000.00)
I would like to show the sequence of entry in my account was as follows –
Date debit credit balance
22/06/18 5000.00 -16, 71, 23334 (Closing balance)
On 24/06/18 - i received a massage from bank side “ chq. No. 761 fvg rawka shree for rs. 127459 on a/c no. …0099 recd in dr. Clg on 24-06-18. Contact your branch in case of any discrepancy. ”
25/06/18 1328.00 (Lfcev) -16, 72, 561.00
25/06/18 1, 12, 000.00 -15, 60, 561.00
25/06/18 returned:761: fund insufficien
I request you to clear the following point –
01. I want to know when bank received my cheque on 24/06/18 for clearing and on that day a/c balance was sufficient to clear the cheque then why bank debit first lfcev charges received on 25/06/18, while it should be “ first received first clear”.
02. Bank pick always closing balance of previous day, on 22/06/18 my a/c had sufficient balance.
03. If bank consider debit amt. Of rs. 1328.00 on 25/06/18 so bank should also consider credit amt. Of rs.1, 12, 000.00 on the same date.
If bank think there was a mistake to clear the cheque, i need clarification and compensation.
Awaiting of your reply.
Thanks
26/06/18
Indore (M. P.) (Manish gupta)
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