Legal points, principles of check writing
1- Be sure to write the date and amount of the check in both letters and numbers.
2- Cover the numbers and letters on the amount with glass glue and draw a line on it with a nail so that if the glue is removed, the ink will separate from the check.
3- Never change your pen when writing a check (even two pens of the same color). Because the forger can later claim that there was a third automatic.
Sometimes it can be seen that fraudsters especially give you a used pen that quickly runs out of ink and you have to write part of the check text with another pen.
4- A common mistake is using other people’s pens. Never use the pen of the person you want to give the check to. It must have happened to you that when writing a check, the other party immediately takes his pen towards you. Never accept!!! Because later your check will be manipulated with the same pen.
5- If you write a lot of checks, use a unique pen with a special color. (black color and blue color can be easily manufactured and forged)
6- One of the common mistakes in writing a check is that we leave a part of the check text to the other party to write. For example, he writes the dates and gives you the check to enter the amount and signature. Or write the amount of the check and ask you to sign it
In this case, later, he can still manipulate the check and you cannot prove that he did it later because the other information of the check was also written by him.
7- If the check is not scratched, be sure to write without scratch, and if it is scratched, be sure to explain the amount and cases of scratch on the back of the complete check.
8- In case of signing a contract, be sure to include the amount, date and check number in the contract and attach pictures of the checks.
9- Some checks have 2 signatures (must be signed by two people) or are invalid without a stamp (usually in companies). This is one of the fraud opportunities.
Many times, the issuer of the check hides this issue with the intention of not paying or paying the check late, and signs the check and delivers it to you.
Of course, this check will not be cashed and your only way is to file a (long-term) legal complaint against him, who in the end claims that he had forgotten at that moment that this check without a stamp is invalid.
So, at the time of signing the contract and receiving the check, ask the issuer to state that this check is not signed and does not require a stamp. In this case, if this problem occurs, you can sue him for fraud and deception.
10- Never use the check for correction, replacement, etc. Do not make it available to the exporter. Because having a check by the issuer means paying the debt. This means that the exporter can claim that he has paid the check and received the check back. And you are the one who has to prove that it was not so, which is a very difficult and time-consuming task.
11- If the date of your check is the same as the date of writing the contract, you can pursue it criminally, but if the date of the check is after the date of the contract, your check is promissory and legal.
12- As much as possible, do not carry the check and try to issue the check in the name of a specific person so that anyone (sharkhar) cannot claim that the check is his.
13- If the text of the check contains the word “account” or a condition, your check is subject to its execution and proof. For example: in Mr.’s account as a guarantee of the contract.
In these cases, it will be a salary check and it will be difficult to receive it, so ask that it is not written in the text of the check
14- Remember that drawing a blank signature check is considered a violation
This post is written by M666k