cheque dishonour with remarks insufficent funds or a/c close

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KAPIL (Querist)
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25 November 2010 Sir,

I was issued a blank cheque to complain tat for purchase of plot four year back with a request to prepare agreement to sell. But did not make any agreement with me after number of times visiting into his office nor returned my cheque.Ultimately, I compelled to withdrawn a money from bank. Due to non-maintaining account, bank closed my account. After four year, complain tat had deposited a cheque of Rs.2Lac into my bank without giving information to me. Bank returned the same cheque with remarks "insufficient fund" while my account has already been closed three year back due to non maintenance by bank. Now, complaint tat has filed suit on me with the remarks that he has given 2Lac cash loan to me against the same cheque.Please justify it, what i do.

Rasesh

Rasesh (Expert)
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26 November 2010 Unless the person will be able to prove that he had given the load, it appears that he does not have much stand. Moreover, the fact that thelegal account has been closed many years back goes in your favour.

If the person proves that he had actually given 2 lacs, then u msy have a case to defend.