Narendra M. Apte 764 days ago

1. We know that all Banks collect charges from customers for many reasons and one of them may be for not maintaining minimum balance. Customers have no reason to complain if there is a debits of bank charges for justifiable reasons-for example if a bank customer (account holder) issues cheques when there is insufficient balance or if there is some other mistake. 2. If a cheque is issued when there is sufficient bank balance and there is no problem with signature/date/amount, and if still a cheque is dishonoured, what can a bank customer do? Obviously he is helpless. Very recently in March 2018, I found that there is a debit of Rs 177/- in my account for charges. When I approached my bank to find out why cheque was dishonoured for no fault of mine and why bank has collected Rs 177/- from me I was told about the procedure followed with regard to clearing of cheques. Procedure as explained by my bank is as follows. All cheques are processed/cleared by National Clearing House (NCH). If amount of a cheque is more than Rs 50,000/-, NCH official dealing with cheque clearing is supposed to make a confirmatory phone call to bank customer (drawer of cheque). If customer does not respond to phone call from NCH, chances are that cheque will be dishonoured. My cheque was dishonoured in similar fashion. Though I wrote a written complaint to my bank saying that I did not receive any confirmatory phone call from NCH, my bank has simply refused to entertain my complaint. What can I do now?