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:-
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.”
To avoid cheque fraud we would suggest:-
If it has happened to you, we would recommend the following steps
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.
The Pakistan Penal Code covers Cheque fraud under 489 Sub Section F (Hence why it is known as 489F)
In cases where your cheque-book has been stolen and misused, you should contact your bank and report it to your local police station.
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