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Cheque Fraud in Pakistan by Check Dishonor and Cheque Bounce

What is Cheque Fraud in Pakistan by Check Dishonor and Cheque Bounce

Cheque Fraud in Pakistan by Check Dishonor and Cheque Bounce is a common problem faced by both individuals and companies alike. Cheques Fraud occurs when a check is presented which is:-

  1. Presented as a form of payment or Guarantee which
    • Do not clear either because they have Bounced (Due to not having the amount in the Bank account the Cheque is associated with)
    • or that are not Authentic, Fake
    • Are Stolen (Not belonging to the person using them)
    • or that bear forged information (ie forged signatures)

Types of Cheque Fraud and Dishonour in Pakistan

Essentially, there are 5 ways that are commonly utilized by such crooks in Pakistan to commit Cheque Fraud :-

Altering A Cheque – This when a Cheque, that was issued by the Account Holder, is then modified and altered by someone else (i.e. the date, name or amount).

Issuing a Counterfeit Cheque – These are Cheques that are not legitimately issued Cheques by the Bank.

Forged Cheque – This is a Cheque which was not signed by the Account Holder, a Stolen Cheque.

Using someone Else’s Cheque – This is a Cheque Stolen from someone and used Maliciously

Dishonestly issuing a Cheque (Section 489F of the Pakistan Penal Code PPC) –

“Whoever dishonestly issues a cheque towards re-payment of a loan or fulfillment of an obligation which is dishonored on presentation, shall be punishable with imprisonment which may extend to three years, or with fine, or with both. Unless can establish, for which the burden of proof shall rest on him, that he had made arrangements with his bank to ensure that the cheque would be honored and that the bank was at fault in not honoring the cheque”.

-Cheques issued with the intent of misleading all those involved in the transaction or if there are no funds in a bank account is itself a crime.”

How to Avoid Cheque Fraud and Cheque Dishonor and What to do if it happens

To avoid cheque fraud we would suggest:-

  1.  Keep your Cheque Book in a safe and secure place
  2. Keep on top of you monthly statements regularly
  3. Try to avoid cheques in favour of more modern approaches

If it has happened to you, we would recommend the following steps

  1. Is issuing a Cheque that Bounced a crime?

    In Pakistan, if you a cheque, and it is dishonored by the bank (due to lack of funds), then you may be liable to face the consequences for Cheque Fraud.

  2. What section of the Pakistan Penal code Covers Cheque Fraud?

    The Pakistan Penal Code covers Cheque fraud under 489 Sub Section F (Hence why it is known as 489F)

  3. What if I didn't issue the cheque that was dishonored?

    In cases where your cheque-book has been stolen and misused, you should contact your bank and report it to your local police station.

How to get in touch with the Right Cheque Fraud Lawyer in Pakistan

Our Specialist Cheque Fraud and Cheque Dishonour Lawyer will analyze your case, and advise you best on how to proceed, depending on your current case, and your desired outcome. Once more, our Panel work on our “24Justice Fixed Fee” Basis, which means you will get the most reasonable price, and the most professional service available.

To find out more, Download Our Legal Services and Online Lawyers App From here or by Searching for “24Justice” from the Google Play Store. Once installed, upload your Query/Case/Question and one of our Trusted and Verified Legal Specialists will respond.

Alternatively, To speak to a Cheque Fraud and Cheque Dishonour Lawyer today, that can handle your case, Call (Or Whatsapp) 24 hours a day, 7 days a week on 0308 551 0031 (If you are trying to contact us from Abroad, Call or Whatsapp us on 0092 308 551 0031).

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