28. Formal Letter Example Regarding: Refusal of Cheque

You are the manager of a bank. Write to a person whose cheque has been rejected/refused by another bank.

Ans:- Union Bank of India,

Sadar Bazar, Delhi – 6

Jan 31, 2000

Mr Maharaj Mahajan,

A/C No. 3477

Sir,

Your cheque No. 00442 dated 27.1.90 drawn on State Bank of India for Rs. 1000/- has been refused by the said bank. This rejection has been due to two counts (1) There is the insufficient amount in your account, and (2) Your signatures do not tally with the Bank’s teller. Mr Mahajan, it is a crime to issue a cheque when the amount is insufficient in your saving account. It is not business like also. It is a trouble to the two banks, the one to whom you issued the cheque and the second (to the bank) on whom you drew it. If clients like you cause us so much botheration, the total work of the bank suffers heavily. Under the rule of the Indian Penal Code, you are liable for criminal proceedings. But keeping in view of your old clientele (relation) With the Bank, I hereby warn you to be extra-cautious in future. I am returning the dishonoured cheque to you.

Now it becomes your duty to issue a fresh cheque with your real signatures. But prior to all this you should go to the Bank and deposit the required amount of Rs. 1000/- otherwise the second cheque will meet the same fate.

I hope this much courtesy and cooperation from your old bank is more than sufficient. This is a special concession given to you only. If it had been the case of somebody else, the cheque would have entailed penal action.

Please Cooperate with us for best customers’ service.

 Yours faithfully,

K.Lal

 (Manager)

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