Cheque & money rights
If a cheque is dishonoured, Negotiable Instruments Act 1881 s.138 discusses a criminal path — with strict timelines. Civil debt claims may be a separate path. AdalotBD does not validate a notice or decide a case; see an advocate.
What do I need first after a cheque bounces?
Collect the cheque and bank return memo/dishonour information. Diary the memo-received date — an s.138 notice is generally discussed as due within 30 days of that information.
Source: Negotiable Instruments Act 1881, s.138What are the main s.138 timelines?
Commonly discussed: written notice within 30 days of bank information; 30 days for the drawer to pay after receiving notice; and a strict complaint window if unpaid. If dates may be missed, see an advocate urgently.
Source: Negotiable Instruments Act 1881, s.138How should I send the notice?
Put cheque details, amount, and demand in a written notice. Use registered post with acknowledgement due or another lawful service mode. Keep postal proof. See the cheque-bounce notice template and flow.
Source: s.138 — service and proof practice
I issued the cheque and received a notice — what now?
Note the notice-received date and claimed amount. Pay within the window if you can, or consult an advocate. Avoid false replies.
Source: Negotiable Instruments Act 1881, s.138Can I recover money without a cheque?
Yes, in many cases via civil claim, promissory note, or legal notice. Gather proof (contract, transfers, messages). The path is case-specific — see an advocate.
Source: Civil debt / loan practice
Are MFS/bKash disputes the same law?
Not always. For MFS disputes, start with the provider helpline, evidence, and DNCRP/police if needed. Use the separate MFS flow. Cheque s.138 does not automatically apply.
Source: MFS complaint channels; consumer lawAuthority: Negotiable Instruments Act 1881 s.138 — information only. Reviewer: Pending lawyer panel review. Next review: 2026-10-01.