Balance available but check disowner?

Question

Dear sir  My name is sourabh vyas proprietor of growmax salt industries. Branch nawa city district nagaur(RAjasthan). I have an issue on dated 08/03/2016. On this date in my account balance was available. But still disowner chq. Of amount :- 50000/-rs. And charged 287/-rs. Please check this issue and revert charged amount.
Thanks& regards
Sourabh vyas

Answer 1

Dear Sourabh

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Please approach the home branch officials / relationship officer / manager of your bank and seek details and clarifications.  If the bank has returned your cheque in spite of having sufficient balance, they are not in order in levying 'Return' charges and should be reversing the same.  However, if your account did not have sufficient balance, when the cheque hit the bank, your claim would not be acceptable to the bank.  Hence, first make sure regarding the sufficiency of the balance by visiting the home branch and thereafter, may initiate further course of action as deemed appropriate.  If the bank is at fault and is not reversing the charges, you may email your grievance to the Nodal Officer of the bank, whose details would be available on their website.

RAJA