[Resolved]  Axis Bank / Saving Bank Account — Same cheque has been cancelled due Mutilation reason but on the other hand same cheque has been cleared by the AXIS Bank

Dear Sir/Madam,

It is just for your kind information that I have given an AXIS Bank A/c cheque (No. 21932) to “Thomas Cook (INDIA) Ltd.” at Sector-18, Noida branch to transferred Rs 40000/- to my brother in UK.

But, the ICICI Bank (Thomas Cook’s Bank) has sent a mail to Thomas Cook representative that this cheque (21932) has been returned unpaid due to “MUTILATION NOT GUARANTEED” (I have also had this mail with me for future verification). Because, AXIS Bank canceled this cheque so in that circumstances Thomas Cook has requested to me to provide a new cheque and as per their request I have provided a new cheque (No. 21934) to them.

However, ICICI and AXIS Bank has never returned that mutilation cheque (No. 21932) back to anyone neither to Thomos Cook nor to me and also cleared that cheque without given any information. Because, my first cheque (No. 21932) already been cleared by the AXIS Bank and my account does not have sufficient amount of money, so when Thomas Cook has deposited my second cheque for clearance then it is quite obvious to got my second cheque bounced.

This miscommunication/mistake has caused me Rs. 394 as a penalty. So, I would like to request you to take some necessary action against the culprit (either it is Thomos Cook or ICICI Bank or AXIS Bank) and make an effort to refund my penalty amount.

I have also discussed this matter with my AXIS Bank and Thomas Cook but they were refused to accept any kind of mistake and blaming to each other.

My main concerns are,

(i) When the AXIS Bank already rejects my first cheque (No. 21932) in first instance then why they cleared the same cheque later on without giving any information.
(ii) When my first cheque has been cleared by the AXIS Bank then why ICICI Bank has not been communicated this to the Thomas Cook.

Please look into the matter and reply with a positive solution.

Thanks & Regards,
Meenakshi Dhoundiyal
Saving Account Number: [protected]
Mobil: [protected]