Cheque Fraud: Rs 180 -> Rs 75,000 cashed out. Original text was overwritten. Please read the details and help.

[its_karan]

Can someone guide how to get this facility

In HDFC looks like this:

In BOB like this:


Rest Banks will have a similar interface,
They basically ask you:

• Cheque Number
• Kisko Cheque kata
• Kitne ka kata
• Date
• And Amount

and what are the charges?

Free as mandated by RBI

 

[dealminer]

Have used these pens, never thought people would use these in forgery

How he could deny to file and FIR!
You can register the FIR online too nowadays. Idk about your state. File it and escalate to Pno and Rbi.

At last, ye Nitin Kapoor ki G** me Bamboo jaroor dena.

 

[shivamk]

In HDFC looks like this:
View attachment 54228
In BOB like this:
View attachment 54229

Rest Banks will have a similar interface,
They basically ask you:

• Cheque Number
• Kisko Cheque kata
• Kitne ka kata
• Date
• And Amount

Free as mandated by RBI

Thanks a lot man, that's very helpful. Also is that old HDFC UI? My net banking doesn't look like this

 

[newinnov]

This thread made me realise why I should carry a reliable pen with me

I personally know a businessman who still usage ink pen to sign cheques, even though bank officials ask him to issue cheque with ball pen as ink might smudge

 

[its_karan]

This is an awful incident that happened to a neighbor. I am adding details for you all to read. Some of this may sound silly and stupid, but I am stating facts as they are. Please read and help.

1. Scamster posed as Metlife Insurance employee who needed to collect "final installment" of Rs 180 from neighbor. He had accurate details of insurance policy. He visited neighbor's home to collect, but didn't accept cash. Payment could only be made by cashier's cheque.
2. Neighbor wrote a cashier's cheque of Rs 180. He clearly wrote the name, amount (text and number), date and signature in ball point pen.
3. The words on cheque were overwritten. Rs 180 -> Rs 75,000. Name, amount, date are changed. Signature is untouched. The cheque has some indication that words are overwritten. I mean, it is like how pencil is erased but some letters are somewhat visible.
4. Neighbor did not have positive pay facility. He received no call from the bank when cheque was cleared.
5. Complaint and escalations - Bank has taken no responsibility and shifted the blame completely on neighbor.
6. FIR not registered - Police has taken a complaint, but refused to register FIR.

I am attaching masked cheque here. Please take a look for yourselves and suggest possible measures. https://postimg.cc/CB0ykmW4. Note that the cheque might look torn, but it is in one peace.
I am willing to escalate to Nodal, Principal Nodal desk and RBI Ombudsman.

Also, I will push neighbor for FIR being registered - what are the grounds for FIR here?

Meanwhile, I have advised neighbor to keep that account empty.

After Looking at the cheque, Ye PNB ke CTS ne clear kaise kardiya.
Rupees ke baad clear tampering dikh raha hai.

 

[shivamk]

After Looking at the cheque, Ye PNB ke CTS ne clear kaise kardiya.
Rupees ke baad clear tampering dikh raha hai.

Someone from the bank might be involved for sure

 

[telescope]

After Looking at the cheque, Ye PNB ke CTS ne clear kaise kardiya.
Rupees ke baad clear tampering dikh raha hai.

this cheque didn't go through clearing house. it was enchashed over the counter as it was bearer cheque.

 

[shivamk]

Ji Old hai par Gold hai

This looks a lot better IMO

 

[newinnov]

After Looking at the cheque, Ye PNB ke CTS ne clear kaise kardiya.
Rupees ke baad clear tampering dikh raha hai.

I was thinking the same

 

[its_karan]

This looks a lot better IMO

Ruko zara poora padh lu

Aajkal TF pe bahaut dange ho rahe hain

 

[dealminer]

After Looking at the cheque, Ye PNB ke CTS ne clear kaise kardiya.
Rupees ke baad clear tampering dikh raha hai.

Ye jisne cheque clear kia hoga uska bhi kuch share hoga 75k me se

Full setup rehta hai inka

 

[varun__goel_]

This looks a lot better IMO

In new UI/ app

Pay - cash/cheque/DD - Request positive pay

 

[shivamk]

In new UI

Pay - cash/cheque/DD - Request positive pay

Thanks a lot.

This community has taught me a good amount of things, especially how to do things better. Can't be thankful enough

 

[ritwik2000]

this cheque didn't go through clearing house. it was enchashed over the counter as it was bearer cheque.

Bhai ye bearer cheque kya he. Nob here

 

[VISHESH_BANSAL]

Yeah that is what we call crossed cheque

The two lines drawn on left corner

And the scamster wouldn't have dared to alter a crossed cheque

Check the Photo of cheque in OP post.

It was already crossed but it has been altered

 

[varun__goel_]

Check the Photo of cheque in OP post.

It was already crossed but it has been altered

PNB vaale fir is cheque ko encash bhi kaise kar sakte hai

Pakka bank vaale bhi mile hue hai, photo mai hi hi pta chl rha hai, real mai to aur clearly pta lag rha hoga

 

[ritwik2000]

Check the Photo of cheque in OP post.

It was already crossed but it has been altered

Proper scrutiny hoga to shyad Paisa mil bhi sakta he

 

[shivamk]

Proper scrutiny hoga to shyad Paisa mil bhi sakta he

Possible toh hai, jisne encash karwaya uski photo aayi hogi CCTV mei. But mushkil hai, legal proceedings hongi and probably bank ko fine bhi ho sakta hai to encash a cheque which looks tampered.

 

[ritwik2000]

Possible toh hai, jisne encash karwaya uski photo aayi hogi CCTV mei

Op you should visit sp office. Kaise bhi FIR lodge kro.

 

[dealminer]

Get that check and try scraping the ink of signature it'll come off.

Proof of forgery.