Mr Anil sometimes, it happens that u want to pay to the bank but because of any reason payment is not made. Bank has a number of charges called late fee, cheque bounce penality, ------I am not an account person but with the experience of some of persons known I am sharing this. Now take initiative to call the bank and say them categorically that I will pay the actual amount (3200) only stating that no intimation from your end was ever received. In this case they should have informed you immediately or not beyond the next month. It is in practice that the banks issue statement every month. If the statement is not issued, it is not your mistake. So pay the actual amount only. Your mistake is that the cheque was not honored, so maximum you can pay the late fee for month. In any case not more than. Remember they can not force you. Be confident, agree to pay what ever is genuine but not like this. Use this dangerous tool only when essential
