Joydeep Garg
Advocate
B.E., LL.B., LL.M.
Chamber No. 649, 1st Floor, Lawyers’ Chamber Complex, District Courts, Bathinda.
Mobile No. +91 8837856648, +91 9873664158
Reference No. J/LN/11 Date: 31.07.2025
To,
Kamaljeet Kaur, W/o Balkaran Singh, S/o Pradeep Singh
VPO Naruana, Bathinda - 151001
Subject: Legal Notice under Section 138 of the NI Act, 1881 and Section 318(4) BNS for
dishonour of cheque #033762
Dear Madam,
Under instructions and authority from my client― The Manager. Bathinda Central
Cooperative Bank, Evening Branch, (hereinafter called as ‘my client’) I hereby serve upon you
the following legal notice:
1. That you have availed a JLG loan vide account no. 021118161100064 and executed the
other necessary documents in this behalf, in favor of my client.
2. That on 4 October 2024, my client advanced a sum of Rs. ________/- (Rupees
____________ Only) to you under a mutual understanding and promise of repayment.
3. That in admission and discharge of the said liability, you issued a cheque bearing no.
033762 dt. 14 July 2025 out of your savings account no. 021134001100859 drawn
from your banker Bathinda Central Cooperative Bank Limited, Evening Branch for
an amount of Rs. 22,000/- (Rupees Twenty-Two Thousand Only).
4. That my client believing your assurance, accepted your cheque and presented the
aforesaid cheque for encashment, but to my client's utter shock and dismay, the same was
returned dishonored citing the reason "Funds Insufficient" and has been returned vide
cheque returning memo dated 15-07-2025.
5. That despite several verbal and telephonic reminders by my client, you have willfully
failed to make the payment and have not shown any intention of honouring the financial
commitment.
6. That it is evident that you have committed an offence under Section 138 of the
Negotiable Instruments Act, 1881 and offence of ‘Cheating’ under Section 318(4)
BNS, which entails criminal prosecution, including but not limited to IMPRISONMENT
for up to two years and/or fine which may extend to twice the amount of the cheque.
Joydeep Garg
Advocate
B.E., LL.B., LL.M.
Chamber No. 649, 1st Floor, Lawyers’ Chamber Complex, District Courts, Bathinda.
Mobile No. +91 8837856648, +91 9873664158
7. TAKE NOTICE that you are hereby called upon to pay the full amount of Rs. 22,000/-
(Rupees Twenty-Two Thousand Only) to my client within a period of 15 (fifteen) days
from the receipt of this legal notice, failing which my client shall be constrained to
initiate appropriate criminal proceedings against you under the provisions of the
Negotiable Instruments Act, 1881, entirely at your cost and risk, without any further
notice.
8. Please be warned that failure to comply will expose you to dire legal consequences,
including arrest and attachment of property, and you shall be held fully liable for all
resulting costs, losses, and consequences thereof. It will be wise for both the parties to
settle the matter amicably in mutual discussion with each other otherwise the proceedings
initiated shall be at your own costs and consequences, which please note very seriously.
I, therefore, call upon you through this notice, to make payment of dues along with interest to my
client with intimation to me within a period of 15 days from the receipt of this notice, failing
which my client has given clear instructions to me to seek remedy through a competent court of
law and jurisdiction by filing the criminal complaint against you u/s 138 read with 142 of N.I Act
and u/s 318(4) BNS. Please note that 138 N.I Act is punishable by double the amount of cheque
in question and also imprisonment and in that case, you will be held liable/ responsible for all the
costs, risks, responsibilities, expenses and consequences thereof.
A copy of this notice is kept in my office for record and further necessary action, and you are
advised to keep the copy safe as you are also advised to keep the copy safe as you would be asked
to produce in the court.
This notice is issued without prejudice to my client's right to initiate any other civil or criminal
action as may be warranted under the law.
Sincerely,
Advocate Joydeep Garg
[Signature & Seal]
Encl: Copy of dishonored cheque, Cheque return memo
