Reply to Section 138 Notice — Draft for Drawer

                    [ON THE LETTERHEAD OF THE ADVOCATE / DRAWER]

Ref: [___]                                         Date: [Date]

REGISTERED POST A.D. / SPEED POST

To,
[Name of Payee's Advocate / Payee]
[Address]

Subject: Reply to your legal notice dated [Date] under Section 138 of
         the Negotiable Instruments Act, 1881 (Cheque No. [___])

Sir/Madam,

Under instructions from and on behalf of my client, [Drawer Name],
resident of [Address] ("my Client"), I reply to your notice dated
[Date] (received on [Date]) as under, denying each allegation therein
save as expressly admitted:

1. That the contents of your notice are false, misconceived and denied
   in their entirety. Your client is put to strict proof of each
   allegation.

2. That it is denied that any legally enforceable debt or liability of
   ₹[Amount] was due from my Client to your client. The alleged
   transaction [describe true position — no goods were supplied / the
   loan was already repaid / the amount stated is inflated] and there
   was no consideration for the cheque.

3. That the cheque referred to in your notice was [state defence —
   given only as a blank security cheque and has been misused / issued
   towards an amount already paid / obtained under coercion / not
   signed by my Client]. Your client was never authorised to fill in /
   present the said cheque for the amount claimed.

4. [Where applicable] That my Client had, in fact, paid a sum of
   ₹[Amount] to your client on [Date] vide [mode/UTR/receipt], which
   your client has fraudulently suppressed in the notice.

5. That your notice does not disclose the true nature of the alleged
   debt, its date or the supporting documents, and is bad in law and
   liable to be ignored.

6. That my Client reserves the right to initiate appropriate civil and
   criminal proceedings against your client, including for defamation
   and for issuing a false and vexatious notice, and to claim damages
   and costs.

7. Your client is called upon to withdraw the said false notice
   forthwith, failing which my Client shall defend any proceedings at
   your client's risk as to cost and consequences.

                                          Yours faithfully,


                                          ____________________
                                          [Advocate Name], Advocate
                                          For [Drawer]

Copy retained for record.