I have lodge a cheque on 28.10.11 in our combine A/c on behalf of my father who is one of account holder for Rs.50, which I have to deposit in another bank as it was issued to other bank. Clearing officer has not seen the cheque as I did, and send it to clearing house which was rejected by clearing bank HDFC with remark to present throughproper bank on 01.11.11 but bank has informed me on my Mobile on 25.11.11 and charged 110 for services for cheque of Rs.50, If I am punished for my mistke then why concern officer should not? because she has not even check during presenting through their bank and even by collecting clerk? why bank has taken 25 days for giving back my instrument? Wh bank has not send it through courier or post for which they are charging? and call me to collect?
Bank charge shall not be greater than instrument's charge.
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