Andhra Bank — Cheque returned without reason

Address: East Anand Bagh, Secunderabad, Telangana, India

Dear Sir,

I issued a cheque for Rs. 1, 00, 000 ( Rupees One lakh only) vide cheque number 039426 dated 30.12.2020. The payee deposited the cheque in Karur Vysya Bank, Bangalore on the same day. The cheque was returned by Andhra Bank on Dec 31, 2020. The cheque return memo informed us to contact the home branch and then re-present again. No other reason was given. I contacted the home branch manager which is in Anand Bagh, Secunderabad. The manager informed us to re-present the cheque as the account was clear with sufficient balance. The payee re-presented the cheque, but it was once again returned with same return memo stating contact the home branch and re-present. The branch manager was unaware of the reason for return and when I insisted he must resolve this, he simply mentioned signature varies which is not true. Meanwhile, Karur Vysya bank debited cheque return charges to the payee account causing embarrassment to me and loss to the payee.

The branch manager did not respond to me when I asked why the cheque return memo did not mention signature variance. Why did they ask us to re-present if the signature varies. Hence this complaint to compensate me for wrongful return of cheque two times and poor response from the branch manager.

I am attaching copies of the returned cheque and also two cheque return memo.

Kindly do the needful.

Thank you

V. Revath
Customer ID 07806635
My account number: [protected]