Questions & Answers
A civil case for a bounced cheque that I did not sign was filed against me by the bank. What to do?
I require legal advice regarding a case related to a cheque bounce.
In 2023, a civil case was filed against me due to a bounced cheque. This morning, I submitted a request to the court to convert the case into easy installments, even though I did not have the case documents, as I owed a limit of AED 15,000 on my credit card.
When I logged into the MOJ website to check the judgment details, I discovered that the case involved two bounced cheques, each for AED 10,800, which I did not sign.
In 2014, when I applied for an auto loan, I received a credit card with a limit of AED 15,000, and I signed a guarantee cheque for that amount. However, I am confused as to how the two cheques for AED 10,800 each were issued.
The signatures on both cheques, which amount to AED 10,800 each, are completely different from my actual signature, with each having a different pattern. Who is responsible for this?
I would appreciate your guidance on this matter from a legal perspective.
Dear Client,
Thanks for your question! I hope you are doing well. I will assist you in this matter.
In your case regarding the bounced cheques, since you didn't sign the two cheques for AED 10,800 each and the signatures appear to be forged, you should report this matter to the police as it may involve fraud or forgery.
Under UAE law, if a cheque is issued with a forged signature, the person responsible for the forgery can face severe penalties, including imprisonment and fines.
Consult with us to assist you in defending against the civil case and to potentially file a counterclaim regarding the forgery.
For any further legal assistance, you can WhatsApp us. We have an extensive team of knowledgeable and experienced lawyers to provide the legal assistance you need.
We will be happy to help you.
Thanks & Regards,
ABDUL WAHIED
Dear Questioner,
Thank you for reaching out.
If the cheques in question bear different signatures and you did not authorize their issuance, this may involve forgery.
Immediate legal action, including a police report and forensic examination of the cheques, is essential.
Our firm has extensive expertise in cheque-related cases and is ready to assist you in challenging these claims. Please contact us by phone or email.
We look forward to helping you resolve this matter swiftly and effectively.
Best regards,
Mohammad Salah
Legal Consultant
The credit card was linked to a guarantee cheque for AED 15,000 when you applied for the loan in 2014.
This cheque is likely what the bank could have used as a guarantee in case of non-payment. The cheques could have been forged by someone with access to your personal details or documents.
If someone else signed those cheques on your behalf without your authorization, this would constitute fraud or forgery, which is a criminal offense.
If it is proven that the signatures on the cheques are not yours, you are not liable for the bounced cheques. However, the burden of proving this lies with you.
You will need to demonstrate that the cheques were forged. This could involve expert handwriting analysis or other evidence that shows the signature is not yours.
You should request a signature verification from the bank where the cheques were issued. This will help prove that the signatures on the cheques were forged.
Your immediate next steps should include obtaining the full case file, requesting signature verification, and filing a police report if you suspect fraud.
For further assistance kindly share your Whatsapp number.
Your credit card may be linked to a forged AED 15,000 guarantee cheque used for a 2014 loan. If someone signed this without your consent, it's fraud. Protect yourself by:
1) Requesting signature verification from the bank.
2) Obtaining the full case file; and
3) Filing a police report if you suspect fraud.
This will help shift the burden of proof to the bank and absolve you of liability if the forgery is proven.
Apart from that you have to prepare the defense for the ongoing case by including these issues.
We will let you know the procedures in detail. Kindly share your WhatsApp number to discuss this further.
It’s clear that there might be forgery involved if the signatures on the cheques don’t match yours.
You can file an official request with the court to appoint a handwriting expert to verify that the cheques were not issued by you.
This is a crucial step to protect your legal rights.
Thank you for reaching out with your inquiry regarding the bounced cheque case. I understand the complexity and the concerns you are facing, especially given the discrepancies in the cheque signatures.
From a legal perspective, if you did not issue or sign the cheques in question, this could potentially be a case of forgery or misuse of your financial documents. The following steps may be considered to address your situation:
Obtain Case Documents: Secure copies of the case file and cheque documents from the court to thoroughly review the evidence presented against you.
Forensic Examination: If the signatures are indeed not yours, you may need to request a handwriting expert's examination to verify the authenticity of the signatures on the cheques.
Legal Defense: Based on the findings, we can argue that you are not liable for these cheques, as they were not issued or signed by you.
Identify the Responsible Party: The responsibility for these cheques could potentially lie with the party that misused your information. Investigations into how these cheques were issued will be crucial.
To proceed effectively, I recommend we schedule a consultation to discuss the details and evidence in depth and determine the best course of action. I would be glad to assist you with filing any necessary motions, defenses, or expert requests to protect your rights.
You can reach me via WhatsApp or phone to discuss further or schedule a consultation. I look forward to helping you resolve this matter.
Best regards,
Suhail Rana
