- This topic has 25 replies, 22 voices, and was last updated 1 year, 3 months ago by
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UMy grandma is trying to ruin my life
My grandma opened a bank account in my name saying that she wanted to deposit money in my account after opening the account she asked me to sign a check saying that she wanted to withdraw some money so I didn’t think of anything I just signed cause it’s my grandmaaaaa I wouldn’t sign a blank check for anyone .now I am in the big issue😭 she got debt from someone for 4.5 lakh with that blank check she not paying it back and now that man is telling that he is going to sell that check we don’t know what to do. We are going to the police station tomorrow you guys have Any idea what to do?
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HYou can claim you had given a cheque to your grand mother which got lost by her, so issuing a stop payment on the cheque. You have not received anything from the person. So even if he takes you to the court, I don’t think they will side with him. Since there is no good received by you, you are not liable to pay
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UJust give the cheque number to the bank and ask for stop payment, this is very common. If you don’t remember the cheque number, just look at the next cheque leaf in the book and you will know the previous one.
If you have net banking, you can also block payment for that cheque, the banks will reject the cheque if presented.
Also I think cheques have a validity period, I assume 6 months but you may want to cross check with your bank.
No one is going to take you to jail for this.
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CBlock the cheque. In fact block the account for all debits.
Did you put a date on the cheque? If there is a date. Then the cheque is valid only for 3 months.
For amounts over 50k, you have to inform the bank that a cheque has been issued. This is PPS. Positive pay system.
Even if the cheque is signed, you can still say you lost it. If you make a story like that, think it through. When you are questioned by the cops you should be able to stick to it.
Get a transaction statement from the bank. Which all transactions have happened in the account.
If anybody threatens you about the cheque bouncing, laugh in their face. It takes a long long time for such cases to see the day in court.
Further, even if you issue a cheque and then block it. If the other party tries to use the cheque and file a case, they still need to prove that you owe them money. So find out what all transactions have happened in your account first.
Anyway tell the bank to block the cheque and say it is lost.
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P1) if you only signed the cheque and you can prove that the writing isn’t yours, you can claim the cheque was lost and fraudulently used
2) File an N/c, claiming lost cheque book.
3) talk to your bank, cancel cheque book, apply for a new one.
4) call the person who has your cheque and tell him that you followed these steps. -
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