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2018 Supreme(Chh) 18

IN THE HIGH COURT OF CHHATTISGARH, BILASPUR
Goutam Bhaduri, J.
Simeya Hariramani S/o Dilip Hariramani and Others – Petitioners
Versus
Bank of Baroda Branch Baloda Bazar – Respondents
CRMP No. 956 of 2017
Decided On : 20-02-2018

Advocates Appeared:
For the Petitioners:Mr. Adil Minhaj, Advocate.
For the Respondent:Mr. Ankit Singhal, Advocate.

Headnote:

Negotiable Instruments Act, 1881- Section 138 – Criminal Procedure Code,1973 - Section 482 – Dishonour of cheque – Tenable - Complaint was filed same was subject of challenge about maintainability - Initially the objection was made before the JMFC by petitioners/accused that drawer and drawee of cheques being one and same Branch Manager of Bank cannot maintain complaint section 138 of N.I. Act - Same having been over ruled and charges were framed on same was subject of challenge before revision Court by impugned order dismissed the revision holding that complaint filed Section 138 of N.I. Act is tenable and charges were rightly framed - Held, Preexisting debt of loan or overdraft is a sufficient consideration for negotiation of a cheque to the banker - If a person hand-over cheque to bank with the clear understanding to bank that cheque is towards debt payable by Company or Firm though cheque remains in the name of Company or Firm but in such case the bank would become holder of cheque in due course - Credit given by Bank to its customer can be discharged by cheque or payment in cash and if the payment for liquidation of loan is made by a cheque then the Bank would become the holder in due course irrespective of that cheque is not endorsed in favor of bank - Existing debt is always considered as valid consideration therefore in present case though drawer and drawee were same Bank was holder in due course - Petition is dismissed.

ORDER :

1. Heard.

2. The present petition is against the order dated 28th June 2017 passed by the 3rd Additional Sessions Judge, Balado Bazar in Criminal Revision No.H-23/2017 (Simeya Hariramani and another Vs. Bank of Baroda) whereby the charge framed by the CJM, Baloda Bazar vide order dated 10.02.2017 passed in Criminal Case no.54/2016 has been maintained. 3. As per the case of petitioner, on 07.02.2015 a complaint was filed by the Bank of Baroda through its Branch Manager of Baloda Bazar u/s 138 of the Negotiable Instruments Act, 1881 on 07.12.2015 when 3 cheques issued by the petitioner were dishonoured. The details of cheques are as under :-

S. No

Bank & A/c No.

Drawer

Drawee

Cheq No. & date

Amount Rs.

Date of dishonour

1.

HDFC Bank 01528630000254

Global Packaging

Global Packaging

000502, dt.17.10.15

25 Lakhs

17.10.15

2.

HDFC Bank0152863000254

Global Packaging

Global Packaging

00503 dt.27.10.15

25 Lakhs

27.10.15

3.

HDFC Bank 0152863000254

Global Packaging

Global Packaging

000504 dt.31.10.15

25 lakhs

31.10.15

4. After the complaint was filed, the same was subject of challenge about the maintainability. Initially the objection was made before the JMFC by the petitioners/accused that the drawer and drawee of the cheques being one and the same, the Branch Manager of the Bank cannot maintain the complaint u/s 138 of the N.I. Act. The same having been over ruled and the charges were framed on 10.02.2017, the same was subject of challenge before the revisional Court. The revisional Court by impugned order dismissed the revision holding that complaint filed u/s 138 of N.I. Act is tenable and the charges were rightly framed. Hence this petition u/s 482 of Cr.P.C.

5. Learned counsel for the petitioner submits that in this case, certain cheques were issued by the Company namely Global Packaging which were of the HDFC Bank and the drawer and drawee were the same i.e., Global Packaging. He submits that in a case like nature when the drawer and drawee are one and the same and when the cheques are presented for encashment, if they are dishonoured, the provisions of section 138 of the NI Act cannot be pressed into motion by third party. He submits that the Branch Manager without any right or authority has filed the complaint u/s 138 of the N.I. Act, therefore, the same is unsustainable under the law and the entire proceedings before the court below is liable to be quashed. He further submits that the cognizance could not have been taken only on the basis of photocopy of the cheques, therefore, the said cognizance is liable to be quashed and no statement u/s 200 Cr.P.C. was recorded.

6. Per contra, learned counsel for the respondent vehemently opposes the arguments of the petitioners and submits that the said cheques were issued for discharge of liability as against the loan which was availed by the Company and the drawer was Global Packaging and the drawee was also Global Packaging but the Bank inter-meddled as 'holder in due course'. It is stated that when the cheques were presented for encashment for discharge of a debt owed to the complainant Bank they were dishonoured, therefore, the bank has all the right or authority to maintain the complaint u/s 138 of the NI Act. He further submits that the affidavit of the complainant was enclosed along-with complaint in terms of section 145 of NI Act, therefore, the cognizance cannot be said to be bad in law. He further submits that all the objections can be gone into during the course of evidence and if the original cheques are not produced then automatically the complaint may fail. Therefore, the objection raised by the petitioner is premature.

7. Perused the document. The question which falls for consideration in this case is whether the Bank was entitled for encashment of Cheque since the drawer and drawee were one and the same. A perusal of t









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