Waiting period to file a civil case pursuant to cheque bounce

Question

Q: If the fine is paid and the criminal case is disposed of, can the bank automatically file a civil case thereafter or would there be a time frame for it? A: Tthe bank can file a civil case even without bouncing the cheque since the outstanding arise from a loan/ credit card agreement…

Hari Wadhwana · Accepted Answer

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

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