Cheque dishonour
Cheque notices, supporting records and dishonour-related proceedings. The first step is to understand the facts, the relevant documents and the stage your matter has reached.
Matters within this area
- Cheque notice preparation
- Complaint and response matters
- Settlement and connected recovery
What to bring
Bring the complete papers, including attachments and previous responses. Useful starting documents can include the following.
- Cheque and bank return memo
- Proof of dispatch and delivery
- Underlying transaction and payment records
Questions before we speak
How do I arrange a conversation?
Call or email the office with your preferred time and a brief description of the subject. Arrange the discussion before sending sensitive documents.
Can you assess the likely result from a short message?
A meaningful assessment depends on the facts, complete documents, applicable law and procedural stage. A short message is a starting point for arranging that review.
Guides for this area
Browse all 18 guidesCheque dishonour — organising payment and delivery dates
Keep the cheque, return memo, bank-information date, notice and delivery record together. The statutory sequence contains distinct triggers that should not be…
RecoveryThe debt behind a dishonoured cheque
Identify the legally enforceable debt or liability said to be discharged when the cheque was presented. A returned cheque does not remove the need to examine the…
RecoveryBank return memos and the dishonour reason
Preserve the complete return memo and bank record. A verbal explanation or a cropped banking message may not show the actual return reason and date.
RecoveryDemand notices under NI Act section 138
A statutory cheque demand requires the correct parties, amount, factual basis, timing and delivery. An ordinary reminder should not automatically be treated as a…
RecoveryDelivery and service records for a cheque notice
Preserve the actual dispatch, tracking, returned cover and electronic records. A notice's date and its legal receipt position can be different.
RecoveryResponding to a cheque-dishonour notice
Record receipt immediately and preserve the full notice and underlying transaction. A statutory payment period and a choice about sending a reply are different…