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Complaint Letter to Bank Manager for Dishonour of your Cheque (Sample)

In case you have issued a cheque in favor of a party and it was not honored by your bank when it was presented for realisation by the party or party's bank, then you should immediately take action on this matter as cheque dishonour cases attracts legal actions.

If you had sufficient balance in the account or if you have an overdraft facility for the account or in case some cheques was under clearance for realisation of money into your account, then you have valid reasons to complain about the dishonour of cheque.

Unless the bank has its own pre-printed form for lodging of complaint in a matter like this, you may use the following format to write the letter complaining about the issue.

FORMAT
Date: ...............

To
The Manager
(Name of the Branch)
(Name of the Bank)
(Address)

From
(Name of the Account holder)
(Address)
(Contact No.)

  Sub.: Complaint about the dishonour of my cheque
  Ref: Savings account number: .......................
         (2) Cheque no. ......... dated .......... Party name: ...........................

Dear Sir/Madam,

I am a savings account holder in your bank at .........branch, bearing account number ....................... I had issued a cheque (no. ...............) dated ............... in favour of Mr. ........................ for a sum of Rs. ............../- (Rupees ..................... Only). As informed by Mr. ................, the said cheque was presented by his bank for realisation on (Date). However, I am surprised and very disappointed to note that it was dishonored by your bank.

As per my information, by the closing hours of (Date), there was a credit balance of Rs. .............../- in my account. My account has an approved overdraft facility of Rs. .............../-. Hence, the said cheque could have been honored easily if you take these two things into consideration. However, to my dismay, the cheque has been dishonored and the said party is complaining about this ever since. You would appreciate this dishonor matter would not only enable the said party to take legal action against me but also this matter would unnecessarily impact my goodwill and credit worthiness among other parties.

I would appeal to you to look into the matter immediately and provide me with valid reasons for the dishonour of the cheque. Kindly further note that I have issued another cheque for the same amount to the said party, I trust there will not be any negligence in honoring the cheque this time.

Kindly do the needful and oblige.

Thanking you!

Yours faithfully,

  (sign)

(Name of the Account Holder)

Comments

  1. Aarohi Bakshi7/18/2018

    Thanks for the sample letter. Perfectly drafted.

    I wish it would be made compulsory on the banker to at least call twice the customer on his registered mobile number or leave a sms to him before dishonouring the cheque.

    Once the cheque is dishonoured, it puts the customer through a lot of undue processes and tensions to make things right again. Especially, the goodwill is at stake.

    ReplyDelete
  2. Adv Prakash8/22/2018

    Good format. Thanks very much for publishing it for us.

    ReplyDelete
  3. Erwin Kroell10/05/2018

    Good enough 👍🏻

    ReplyDelete

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