The drawer's reply to a demand notice sent after a cheque was returned unpaid.
Date: 4 April 2026
TO:
Advocate Navneet Gill, for Mr Harbans Lal
SCO 42, Sector 34-A, Chandigarh 160022
And also at: X
FROM:
Ramesh Kumar
House No. 214, Sector 15-A, Chandigarh 160015
Phone: 98765 43210
Email: ramesh.kumar@example.com
SUBJECT: Reply to your notice dated 1 April 2026 about cheque no. 004512
Dear Sir / Madam,
1.1 The Sender received the Recipient's notice dated 1 April 2026 on 2 April 2026 (the Notice). The Notice says that cheque no. 004512 dated 3 April 2026 for ₹4,50,000 (Rupees Four Lakh Fifty Thousand only), drawn by the Sender on State Bank of India, Sector 17, Chandigarh, was returned unpaid, and demands payment. This is the Sender's reply to the Notice.
2.1 The Sender's position is that nothing is owed to the Recipient, and the cheque was not given for a legally enforceable debt or liability.
2.2 The cheque was handed over on 3 March 2026 as security for a possible loan of Rs 4,50,000 that was never advanced. No money was ever received from the Recipient, and the Recipient was told in writing on 20 April 2026 to return the cheque.
2.3 The Sender has made the following payment or adjustment: Rs 2,00,000 by bank transfer on 15 April 2026 and Rs 2,50,000 by bank transfer on 2 May 2026.
3.1 The Sender does not admit that any amount is due to the Recipient, and denies that the demand in the Notice is payable. Everything in the Notice that is not expressly admitted in this reply is denied.
3.2 The Sender reserves the right to rely on every defence available in law, including that the cheque was not given in discharge of a legally enforceable debt or liability.
4.1 The Sender asks the Recipient to withdraw the demand in the Notice and not to proceed against the Sender on it.
4.2 The Sender asks the Recipient to keep safe, and to produce if a complaint is filed, the original cheque, the bank's return memo, and every document the Recipient relies on to show the debt or liability claimed.
4.3 If the Recipient files a complaint, the Sender will defend it and will ask for such costs and compensation as the law allows.
4.4 Nothing in this reply is an admission, and the Sender's rights and defences are fully reserved.
5.1 This notice is served by registered post with acknowledgement due. A notice properly addressed, pre-paid and posted is presumed to have been served in the ordinary course of post (Section 27, General Clauses Act, 1897). Refusal to accept delivery will be treated as service.
This notice is issued through Simran Kaur, Advocate, of Chamber No. 88, District Courts, Sector 43, Chandigarh. A reply may be sent to the Advocate as well as to the Sender.