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Dishonour of a cheque is said to occur when it is returned by the Bank due to insufficiency of funds. When a cheque presented to the Bank is returned to the payee through his own Bank along with a “Cheque Return Memo” issued by the drawee Bank. There are several technicalities associated with the prosecution of dishonour of cheque, and it has to be born in mind while proceeding with a Court of law, such that a Notice must be served to the drawer giving him an opportunity to make good immediately the amount of money that was payable through the cheque. Other requirements are that the cheque must have been issued for discharging a legal liability or for the payment of a debt, and not for extending a loan or by way of gift; the drawer is also to be given a time frame of 15 days to pay the amount in cash after the notice has been served to him. To go ahead with civil/criminal proceedings against a person on the matter of dishonour of cheque, it is essential to avail the services of an efficient lawyer who shall help you to draft the necessary documents such as complaint, Notice, etc. and ensure that the right path of action is chosen to proceed with the matter. The eminent lawyers enrolled from different parts of the Country, who are experienced in handling cases on negotiable instruments, will assist you to proceed fault-free and through proper channel. You can rest assured that your matter will be handled with utmost care and precision.
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