Complaint Letter to the Bank for Dishonour of your Cheque

In case you have issued a cheque in favour of a party and it was not honored by your bank when the party or party's bank presented it for realisation, then you should immediately take action on this matter as cheque dishonour cases attract legal actions.

If you had sufficient balance in the account or if you have an overdraft facility for the account or in case some cheques were under clearance for realisation of money into your account, then you have valid reasons to complain about the dishonour of cheque.

Unless the bank has its own pre-printed form for lodging a complaint in a matter like this, you may use the following format to write the letter complaining about the issue.

TEMPLATE

Date: ________

From

(Name of the Account holder)

(Address)

(Contact No.)

To

The Branch Manager

(Name of the Bank)

(Name of the Branch)

(Address)

Sub.: Complaint about the dishonour of my cheque.

Dear Sir/Madam,

I am a savings account holder in your bank at _______ branch, bearing account number _________. I had issued a cheque (no. _________) dated _________ in favour of (Name of the Party) for a sum of Rs. _______ (Rupees ________________ Only). As informed by (Name of the Party), the said cheque was presented by his/their bank for realisation on (Date). However, I am surprised and very disappointed to note that it was dishonoured by your bank.

As per my information, by the closing hours of (Date), there was a credit balance of Rs. _________ in my account. My account has an approved overdraft facility of Rs. _________. Hence, the said cheque could have been honoured easily if you consider these two vital pieces of information. However, to my dismay, the cheque has been dishonoured and the said party has been complaining about this ever since.

You would appreciate that such dishonour matter would not only enable the said party to take legal action against me but also this matter would unnecessarily impact my goodwill and credit worthiness among other parties.

I would appeal to you to look into the matter immediately and provide me with valid reasons for the dishonour of the cheque. Kindly further note that I have issued another cheque for the same amount to the said party, I trust there will not be any negligence in honouring the cheque this time.

Kindly do the needful and oblige.

Thanking you,

Yours faithfully,

    (Signature)

(Name of the Account-holder)