Section 138 of the Negotiab...

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कई बार ऐसा होता है कि हम चेक बैंक में जमा कराते हैं और हमारा चेक बाउंस हो जाता है, ऐसी स्थिति में हमारा पैसा ही हमें नहीं मिलता है और ऊपर से चेक बाउंस होने पर कुछ राशि हमारे अकाउंट से कट जाती है, सो नुक़सान अलग से होता है. क्या आपको पता है कि चेक बाउंस होने पर क्या कदम उठाने चाहिए. आइए हम आपको बताते हैं-

कब करें चेक का इस्तेमाल

  •  चेक मिलने के 3 महीने के भीतर अपना चेक अकांउट में जमा कराएं. 3 महीने के बाद चेक की वेलिडिटी ख़त्म हो जाती है.
  •  यदि किसी व्यक्ति से रुपए उधार लिए हैं, तो उसे लौटाने के लिए चेक का इस्तेमाल करें.
  •  किसी भी संस्था को डोनेशन देने के लिए चेक का ही इस्तेमाल करें.
  •  लोन आदि का भुगतान करने के लिए आप चाहें तो पोस्ट डेटेड चेक भी जमा करा सकते हैं.

क्या करें जब चेक बाउंस हो जाए

  • चेक के बाउंस होने पर बैंक आपको एक रसीद देता है, जिसमें चेक के बाउंस होने का कारण लिखा होता है
  • यदि आपका कोई चेक बाउंस होता है, तो देनदार को 30 दिन के अंदर नोटिस भेजना होता है.
  • नोटिस भेजने के बाद भी अगर देनदार 15 दिन तक अगर देनदार कोई जवाब नहीं देता है, तो लेनदार उसके खिलाफ केस दायर कर सकता है.
  • चेक बाउंस होनर पर देनदार को 2 साल की सज़ा हो सकती है.
  • साथ ही देनदार को ब्याज के पूरा रुपया चुकाना पड़ता है.

और भी पढ़ें: इन 12 बातें को ध्यान में रखकर करें सुरक्षित बैंक का चुनाव (12 Things To Consider When Choosing A Bank)

क्या है सेक्शन 138
यदि कोई व्यक्ति आपको चेक द्वारा भुगतान है और उस चेक को बैंक में जमा कराते हैं, लेकिन यदि वह चेक बाउंस हो जाता है, तो आपको चेक बाउंस होने के सूचना उस व्यक्ति को देनी होगी. उसके 1 महीने के अंदर-अंदर उस व्यक्ति को आपको भुगतान करना होगा. यदि वह व्यक्ति आपके नियत समय तक भुगतान नहीं करता है, तो आप उसे लीगल नोटिस भेज सकते हैं. यदि वह तब भी भुगतान नहीं करता है, तो आप उसके ख़िलाफ केस दायर कर सकते हैं.

  • निगोशिबल इंस्ट्रूमेंट एक्ट 1881 की सेक्शन 138 के अनुसार, आप उसके ख़िलाफ अपना केस दर्ज़ करा सकते हैं.
  •  भुगतान की रकम सही समय पर न लौटाने पर एक आपराधिक शिकायत के तौर पर आपका केस दर्ज़ किया जाएगा.

कब करें धारा 138 का इस्तेमाल

  • किसी भी तरह का कर्ज या बकाया पैसों की रिकवरी न होने पर या फिर दो पार्टियों के बीच हुए लेनदेन के बाद जब पेमेंट न मिले और चेक बाउंस हो जाए, तो धारा 138 के दौरान कानून मामला दर्ज़ किया जा सकता है.
  • इस धारा के अंतगर्त यदि आपके किसी दोस्त द्वारा दिया गया चेक बाउंस हो जाता है, तो भी आप धारा 138 के अंतगर्त केस दर्ज़ कर सकते हैं.
  • इस तरह के किसी लोन के डिस्चार्ज के दिया गया चेक बाउंस हो जाता है, तो उसपर भी धारा 138 के तहत केस दर्ज़ किया जा सकता है. ऐसी स्थिति में उसे 2 साल की सज़ा और ब्याज़ के साथ दोगुनी रकम देनी पड़ सकती है.
  • केस उसी जगह दर्ज़ किया जाता है, जहां पर आप रहते हैं.

और भी पढ़ें: बैंक में लेन-देन के दौरान होनेवाली धोखाधड़ी से कैसे बचें? (How To Safeguard Your Banking Transactions?)

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