How to Handle Unauthorized Loan Taken with My Lost Cheque Book? Urgent Advice Needed

Dear Friend,

I need help with a matter: I lost my cheque book at my in-laws' in December 2016 and then moved to Delhi. Recently, I found out that my in-laws had used my cheques to withdraw money without my knowledge. Now, after five months, I discovered that they obtained a loan from a financier using my cheques, and I am receiving threatening calls from the financier. Please advise me on what steps to take, as my bank account is in Rajasthan and I am currently in Delhi.

Regards

Dear Poonam, this is a family matter. Secondly, it is non-HR content. Nevertheless, occasionally, employees discuss their personal matters with HR. From that standpoint, let me provide my suggestions.

When you realized that you had lost your chequebook, you should have immediately submitted a written application to the bank about the loss.

Secondly, was your cheque used to withdraw an amount from your account? If yes, then did you receive an SMS or email alert after the withdrawal? If yes, then why did you remain silent despite receiving this alert? Furthermore, how did a few cheques in your chequebook get signed? If the cheques had not been signed, this problem would not have occurred.

Lastly, what is the deal between the financier and your in-laws? Although you are a third party, why is the financier calling you? Are you a guarantor for some deal?

What transpired in your call with the financier that you have not mentioned? Why are your in-laws' liabilities being transferred to you? Why is he unable to deal with them?

There are many questions associated with your post. Please clarify.

Thanks,

Dinesh Divekar

"I lost my chequebook at my in-laws in Dec 16 and got shifted to Delhi. Recently, I got to know that my in-laws had taken money on a cheque which they have stolen in my absence. Had you lost the cheque or were they stolen? What is the truth? Moreover, no one keeps signed cheques to be lost or stolen. Cheques without a signature are of no value at all."