فترة الانتظار لفتح دعوى مدنية عن الشيك المرتجع

Dear Sir,

Thank you for reaching out to me on this.

Please note that the bank can file a civil case even without bouncing the cheque since the outstanding arise from a loan/ credit card agreement.

The cheque bounced is merely security and gives a separate cause of action i.e. filing of a criminal case.

However, the bank can immediately file a civil case using the judgement of a criminal case and the documentation relating to loan/ card which you executed with the bank.

I trust this resolves your query.

Regards,

Hari Wadhwana