I Aastha Ahluwalia resident of C-166, B.R.S. Nagar, Ludhiana wish to bring to your notice that the below stated persons / officials of the Allahabad Bank have committed forgery / fabrication of false & frivolous documents to falsely implicate me in a case u/s 138 Negotiable instruments act. The name of the persons and their accomplices are given here under.
1. Lakhbir Singh Raheel, the then branch Manager of Allahabad Bank CAF Branch 486-G B.R.S. Nagar, Ludhiana.
2. The passing officer, CAF branch, Allahabad Bank 486-G BRS Nagar, Ludhiana.
3. Mr. Rajan chowdhary recovery officer cum AGM, Allahabad Bank. Ludhiana, Zonal office.
4. Mr. Sanjay Aggarwal, DGM cum Zonal Manager, Ludhiana.
5. Mr. L.N. Chowdhary, the then incumbent DGM Zonal office, Rakh bagh, Ludhiana.
That Mr. Lakhbir singh Raheel the then branch Manager C.A.F. branch altered the date of the cheque originally given for the date 13.03.2009 for an amount Rs. 30000/- payable at the bank’s branch.
The honouring of the cheque was ensured by depositing Rs.53740.05 on 23/03.
The said branch manager in complicity with the persons named at S.no.2 to 5 above and with the ulterior motive to falsely implecate me, did not lodge into the account, the said cheque dated 13.03.2009 (a copy of the cheque enclosed clearly shows the same to be dated 13.03.2009) & favouring the person issuing this cheque while the bank was only collecting agency in the instant case.
The said cheque amount of 30000/- along with some more amount sum upto 53740/05 was paid on 23.03.2009 and the account was regular.
The said persons how ever altered the cheque and with malafidely showing it to be dated 13.08.2009 i.e. altered the month 03 to 08 instead of original date 13.03.2009. (copy of the altered cheque enclosed)
The alteration is further corroborated by the fact that the cheque allegedly dated 13.08.2009 was lodged into the account for collection on 31.12.2009 (more than 140 days later) to intentionally get the same dishonoured to implicate me u/s 138 of NI act.
The bank’s books of account do not show any debit entry in lieu of the cheque having returned unpaid hence no cause of action arises against me, as I am the issuing signatory as well as beneficiary of the proceeds of the cheque. The beneficiary of the cheque only can invoke sec 138 N.I. act against the issuing person. Bank as a collection agent has no locus standi under the act.
I take the liberty to enclose here with :-
(a) photocopy of ch. No. 015633 – 1410100091 Allahabad Bank S.B.a/c no. 20864626388 dated 13.03.2009 for Rs. 30000/- signatory Aastha Ahluwalia favouring Aastha Ahluwalia a/c no. 20864612569.
(b) Photocopy of altered cheque: fabricating the date from 13.03.2009 to 13.08.2009 as also addition unauthorizedly made in the title of a/c (addition A/c Allahabad Bank B.R.S. Nagar, Ludhiana).
(c) Cheque returned on 31.12.2009 in saving Bank a/c no. 2086462638 and not in car loan a/c 20864612569 (hence it is not in discharge of any liability). The account shows no credit or debit entry in car loan a/c. Hence no returning of cheque and consequently Sec 138 does not apply in the instant case.
(d) Bank has debited Rs. 35/- as DDP charges or cheque returning charges in the saving bank a/c no. 20864626388. This proves that the cheque has returned in saving account and not in car-loan account. Had the same returned in car – loan a/c the cheque could have been construed or said to have been in discharge of a liability. Pertinent to state that sec 138 NI act mandates that the cheque should be in “discharge of a certain liability.”
(e) Aastha being the beneficiary (payee) and also signatory issuing person alone can invoke Sec. 138 NI. Bank is only a collecting agency in the instant case.
Sir, I would therefore request your benevolent authority to investigate the said complaint of forgery under the appropriate sections of the IPC, and provide justice (along with relief) to this law abiding citizen.
With regards,
Aastha Ahluwalia
Mobile:- 919878056468
Tele-fax:- 91-161-4644166
Telephone:- 91-161-5091675
Email:- [email protected]
Address:-
Resident of C-166, B.R.S. Nagar, Ludhiana
Alternate Address:-
100-A, Sarabha Nagar, Ludhiana
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