Fraud through cloned cheques in Inward clearing at Service Branch
16-Jun-2023 (In Banking / Finance Law)
I am working with PSU bank as an officer.In our bank cloned cheques are being presented since jan 2018.One day two cloned cheques from same account presented for clearing were passed by two different officers.One of them was me.Now the bank has served both of us statement of imputation on a of negligence that signatures mismatch with bank record though signatures are most identical.Bank wants to recover it's loss from we officers.And the actual culprit who is the beneficiary is enjoying with banks money and still presenting the cloned cheques.Instead of recovering money from fraudster bank is recovering from we innocent workers who are doing their routine job to earn money for their bread and butter
Kindly advise me.Can we be saved from punishment.
You can absolutely be saved from punishment. A strongly worded letter needs to be sent to the concerned managerial person who has issued the recovery order, stating at first politely how the recovery from the officers is unjust and arbitrary and secondly, firmly informing them of your legal rights and remedies and how you will not refrain from exercising the same if the order continues to remain in force. Further and better particulars are needed for an effective opinion.
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