٤٨٩- ایف پی پی سی چیک ڈس آنر کیس

(Nasra Faisal, Lahore)

جناب عالی!

مشرف دور میں ایک آرڈینس پاس ہوا تھا چیک ڈس آنر کا جس کی وجہ سے کافی لوگ پرییشان ہوئے تھے بلکہ ہو رہے ہیں۔ اس اندھے قانون نے معصوم لوگوں کو بھی نقصان پینچایا ہے۔ قانون کیا تھا اس کو میں پیش کرہی ہوں۔
 
 “489-F Whoever dishonestly issues a cheque towards re-payment of a loan or fulfillment of an obligation which is dishonored on presentation, shall be punishable with imprisonment which may extend to three years and or with fine, unless he can establish, for which the burden of proof shall rest on him, that he had made arrangements with his bank to ensure that the cheque would be honored and that the bank was at fault in not honoring the cheque”.
 
یہ قانون مالیاتی اداروں کے لیے بنا تھا اور اس میں عام شہری بھی شامل ہوجاتا ہے جس کا چیک باؤنس ہو جائے فوراً اُس کے خلاف پرچہ درج ہو جاتا ہے یہ بھی نہیں دیکھا جاتا کہ کیا درست ہے کیا غلط بس چیک باؤنس ہونا چاہیے اور پولیس والے فوراً پرچہ درج کر دیتے ہیں۔ جب تک پیسے ادا نہ کیے جائے جناب چیک دینے والا جیل میں رہتا ہے۔ اس آرڈنیس کو پارلیمنٹ نے پاس کرنا تھا جو کہ ١٢٠ دنوں میں ہونا تھا مگر اُس وقت کی پارلیمنٹ نے اس کو پاس نہیں کیا۔ اس بات کا ثبوت جناب ایک کالم میں بھی آیا تھا جو درج ذیل ہے۔

Dishonored cheque no more a criminal offence
SAALIM SALAM ANSARI
ARTICLE (August 12 2005): Section 489-F P.P.C., which has been inserted in the Pakistan Criminal Code, 1860 (PPC) pertaining to the action of dishonored cheque as a criminal offence by virtue of Presidential Criminal Amendments Ordinance No LXXXV of 2002 promulgated on 25th October, 2002 had become anfractuous after the lapse of 120 days automatically, as the instant Ordinance was not tabled before the Parliament in the shape of a bill for approval as an act of Parliament.

The President of Pakistan has not promulgated any fresh or any new Presidential Ordinance pertaining to Section 489-F P.P.C.

Section 489-F P.P.C. is no more in the field or books of statute, the said provision has become infractuous and the Presidential Criminal Amendments Ordinance, 2002 has died its natural death after a lapse of 120 days in view of Article 89 of the Constitution, 1973.
 
اس کے علاوہ ہائی کورٹ کے جج مسٹر ایم- بلال خان نے وفاقی حکومت کو نوٹس دیا تھا کہ اس چیک ڈس آنر کے بارے میں رپورٹ دے۔
 
Bogus cheque issue: LHC issues notice to federal government
LAHORE: Justice M Bilal Khan of the Lahore High Court on Monday issued notice to the federal government on a petition challenging the Presidential Ordinance number 32 of 2001, under which Section 489 (F) was added to the Pakistan Penal Code (PPC) to penalize a person for issuing a bogus cheque.

The judge directed the deputy attorney general to appear on November 5 for assistance of the court. The judge issued notice on a petition by Mohammad Waris, who had been in Gujranwala jail for the last one year.

Counsel for the accused MD Tahir said that Waris had been blackmailed and implicated in bogus cheque case. He said the complainants told Waris that the cheque issued by him had been lost on which they were paid in cash. Later, when there was no cash in his (Waris) bank account, they got the cheque dishonored and lodged fake FIRs against him.

He said lodging FIRs under 489(F) PPC was illegal. He said an ordinance should have been presented in the parliament within four months to make it a law, but it could not be done so far
اس کے علاوہ کئی دفعہ اس قانون کے بارے میں بات ہوتی رہی مگر اس قانون کو تبدیل نہیں کیا گیا ، نہ ہی اس کو بیل ایبل بنا گیا ہے ۔

اس کیس کو اکتوبر ٢٠٠٩ کو بھی چیلنج کیا گیا ہے ہائی کورٹ میں
 
Case challenging Section 489-F of PPC re-listed

Saturday, October 31, 2009
Faisal Kamal Pasha

Rawalpindi

Justice Nasir Saeed Sheikh of the Lahore High Court (LHC), Rawalpindi Bench, Friday re-listed the case of Muhammad Waseen Thaheem who had challenged Section 489-F of the Pakistan Penal Code (PPC).

Nominating secretaries of the Ministry of Law & Justice and Ministry of Parliamentary Affairs and the State Bank of Pakistan (SBP) governor as respondents, the petitioner adopted before the court that the insertion of Section 489-F in the PPC, making bouncing of cheques an offence, had changed the whole structure of the issuance of a cheque. According to him, the insertion of the Section 489-F was creating hurdles for the business community.

According to the petitioner, the Section 489-F was inserted in the PPC through the Ordinance LXXXV 2002. The ordinance was issued by Chief Executive-President General (r) Pervez Musharraf under Provisional Constitutional Order’s Article 89 and Article 270-AA of the Constitution of Pakistan. On December 31, 2003, the competent authority endorsed all amendments into the laws between October 12, 1999 and December 31, 2003. Therefore Section 489-F also became a law and consequently bouncing of cheques became an offence.

According to the petitioner, Section 489-F has not been included in the statute book before. This particular section came into force on October 25, 2002, the petitioner said.

The petitioner told the court that because of insertion of 489-F many criminal cases were registered against the businessmen. The petitioner prayed to the court to cancel the LXXXV Ordinance 2002 and direct the law making authority to remove this section from the PPC. He also prayed to the court to direct the police not to register cases under this section.

The court while re-listing the case directed the petitioner to come with preparation on next date of hearing while going through article 270-A of the Constitution.

In another case, Justice Asad Munir of the LHC issued notices to the respondents in the case of Imran Saeed Mirza and Sajid-ur-Rehman Qureshi who had challenged the appointment of Pir Syed Fazal Ali Shah Gillani as chairman of the Federal Land Commission (FLC).
 
لیکن بات وہی کی وہی ہے ۔ بات صرف اتنی ہے کہ اس کیس میں کئی بے گناہ کوگ بھی شامل ہو جاتے ہییں، گناہ کسی کا ہوتا ہے اور سزا کسی کو ملتی ہے، کیوں کہ چیک جس کے نام ہو اس کو سزا لینا ہوتی ہے۔ بات اس سوچ کی ہے کہ جس نے پیسے دینے ہیں اُس کو تو بند کر دیا جاتا ہے اور کہا جاتا ہے جب تک پیسے ادا نہیں ہوں گے وہ باہر نہیں آ سکتا، جناب عالی! جب وہ کمائے گا نہیں تو وہ پیسے کیسے ادا کرے گا۔ جو لوگ کاروبار کرتے ہیں اُن کا لین دین ہوتا ہے کسی کو پیسے دینے ہوتے ہیں کسی سے پیسے لینے ہوتے ہیں۔ لیکن جب وہ جیل میں جائے گا تو کیسے ادا کرے گا۔ اُس کے گھر والوں کو کیا پتا کہ اس نے کس سے لینے ہیں ویسے بھی کاروباری لوگ اُس کو پیسے ادا کرتے ہیں جنکے ساتھ اُن کا لین دین ہوتا ہے نا کہ اُس کے گھر والوں کے ساتھ، جناب والا سے گزارش ہے کہ اس کیس میں نظر ثانی کی جائے اس کو بیل ایبل بنایا جائے یا اس کو تبدیل کیا جائے۔
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ادھار لے کر دوسرے کے سرمائے سے کاروبار کرنے والا معصوم یر شریف نہیں ہوتا۔ بینکوں کے پاس عام عوام کا سرمایہ ڈپازٹ کی شکل میں ہوتا ہے جس سے بینک ضرورتمند کاروباری لوگوں کو ادھار دے کر اپنا بزنس کرتے ہیں۔ ایسی صورت میں قرض دیندار سے وصولیابی میں نرمی پرتنا بینک کے ساتھ اور شریف ڈپازٹر کیساتھ ظلم ہوگا۔ اور تو اور ظلم کی انتہاء دیکھئیے کہ بانکنگ کورٹس کے کسی بھی جج کے پاس بینکنگ کا ڈپلومہ یا بینکنگ پریکٹس کی سند نہیں ہوتی اور ایک عام سے ٹریل سمری کیس بھی دس سے پندرہ سال تک چلاتے ہیں۔
By: Sohail A. Mazari, Karachi on Oct, 08 2017
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FIR against defaulting lawyers

sir
As per law an FIR is registered against anyone who issues a banking cheque Rs50000. and above but the same bounces. Similarly, it would be wortwhile to pass a law against lawyers who take professional fees from clients through cheques but fall under the mischief of non-prosecution of law cases. Both these acts are deliberate in promising without making arrangement and equally culpable at law for breach of trust and fraud .Moreover, it should be made a compulsory rule for advocates to issue proper receipt of the professional fees paid to them or draw an agreement with their clients to that effect failing which criminal action should be taken against them as well. Issuing of a bogus cheque and non-prosection of cases after receiving confirmed professional fees are both heinous crimes and ought to be dealt with similarly. Mere disciplinary action by the Bar has not been effective in correcting the conduct of the defaulting advocates hence the judicial system as a whole. Only by taking such step will definitely eliminate dirty tricks played by black sheep of the advocacy and bringing some comfort and relief to the litigating clients who. in fact. are the wretched victims. It is hoped that our Chief Justice will put his mind to this ugly rampant act among unscrupulous lawyers and pave a clear way to rule of law and justice.


mazhar butt
By: MazharButt , Karachi on Jul, 17 2017
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aj kal eak bike instalment py leni ho to showroom waly blank checq lety hain bad main os py 10 lakh ki amount bhar lety hain aur ye andha qanoon gareeb ko jail main dal daita hy bagair investigation k lanat tmam qanoon dano py
By: safdar, multan on May, 30 2017
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Are bhai blank cheque dete e q ho jo wo apni marzi se amount likh sake. Jab aap kam dhaiyan se nahian krte to qanoon kya kre. Kuch bhi len den krni ho to itminan se karain ya kissy lawyer ki help lain. Thanks
By: Advocate Abdul Jabbar Jamali, Hyd on Oct, 05 2017
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Meray saggay bahi ne mera account use kia meri family karachi gae oussy maine apna ATM Card be diya wo business k silsalay main logon se meray account main pesay mangwata raha.. ab wo log meray pas raseedain ly kr ahay k yea ap ne hum se apny account se pesay mangwahy hain saman kahan hai??? maine kaha koun sa saman yea ap k bahi ne mangwahy yea ap ka he account hai na.. maine kaha han account to mera hai.. 6 lac rupay ka fraoud kia meray chotay bhai ne 5 May last date hai ager pesay na diyea to meray khilaf parcha... kyon k maine majbooran bahi ki baton main aa kar ounhain cheque dy diya.. ab main phass gya hon roz kehta hai k main saman bijwa raha hon aur kabi pesay abi tak kuch nhi ho ska.. dua krain Allah meray jesay aisay be guna logon ko apni hifazat main rakhay.. Yahoodi qanoon hai aisa he hota hai yahan per.
By: Sohail Raja, Rawalpindi on May, 03 2016
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AoA,
Jinab aik shakhs dhookey se mujse qarz k naam pe 8 lakh rupe le gaya or phir lotaney ka time aney pr bajaye lotaney k muje profit ki laluch de kr mazeed waqt mangne laga or jub ye waqt khatam hone pr aya tu os ne mazeed time manga or kha comatee dali he 5 or 6 number mera hy or comatee nikalne pr comatee nikal kr kha gyya or phir achanak se qaroobar or ghar bech kr bhag gya bhoat talash k bad jub mila tu noqsan zahir kr k khod ko kangla batane laga ab os k diye gaye cheque bi bounce ho gaye hai . or woh koi raqaqm wapis krne me koi cooperation nai kr raha humesha jhoot bol kr taal deta hai.
Meri raqam se os ne bhoat faida othaya hai or kai or karobari loogo se cheating ki hai . 50 % paise de kr 100% maal othaya or ab balnce payment kha gya sub logo ki.
Ab woh kehta hai jo krna he kr lo me jail jana ya jagrey se nai darta or qanooni kara joi krne pr os ki olad mali or jani noqsan ki damkiya deti hai.
Aesey aadmi ko ap ki nazar me kiya riyayat milni chaiye?
Woh tu cheater bi hai or badmash bi.
Agr aese admi ko riyayat hogi tu subi aesa krne lage ge q k ye paisa kamane ka sub se asan tariqa
hai
By: Imran, Khi on Apr, 29 2016
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If this rule is changed or abolished many people would suffer. I am suffering since three years despite this rule. Police or judiciary is unable to help me. If this rule is changed or withdrawn people like me will never get their money back.
By: Abdul hameed khan, Lahore on Feb, 27 2015
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Ppc 489 f change nahi hona chahye. Cheque b daga galat b dega per phone. B attend nhi karega na melega pasay kc or ka and karobar apna karega aur hoga Sharif busines man. Away sharefo k kiye Ye qanoon mazid sakht karma chahye.
By: zafar iqbal, peshawar on Feb, 19 2015
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489f ka pakistan law mein koi record ni ha ye 1973 ke law mein ni ata iska na he isko parliment mein pas kia gaya ye tu mushraf ny bnaya tha jb mushraf ke government he ni rai tu ye law kesy rah skta ha iss mein shareef or businessman log phas rhy hain jin logo ny kisi ke paisay marney hotay hain wo phly check book lost ke fir krwata ha ya check ko stop pament krva kr check issue kr deta ha iss waja se uski bail ho jati ha n businessman ko in chakron ka ni pta wo bechara jail punch jata ha iss mein sign kisi ke hotay hain n fir kisi or pe ho jati ha police ka tu rozgar chala howa ha wo paisay ley kr fir kr deti ha pta tab chalta ha jb police banda utha kr ley jati ha iss 489f se police or lawer bht paisay earn kr rhy hain itny case dosray ni hoty jitny zada 489f ke hotay hain plz iss case ko khtm kia jay ya court mein dono party ko bula ke inverstigation kr ke fir ke jay police phly paisay ley kr fir kr deti ha bad mein dosri party se paisay ley kr ussi banday ko innocent declare kr deti ha shareef admi tu izat bachata bachata iss mein phas jata ha plz iss ko khtm kia jay iske liyh civil be tu kia ja skta ha jail bijwa kr paisay tu ni mil jatay
By: faizan, faisalabad on Nov, 06 2012
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489 f pta nai kaya soch kar banaya gaya tha.. is law main bohat say shreef logo ko phansaya jata hay main ak admi ko janta ho jes nay kabi bank ka naam tak nai sona shreef seda sady admi ko ak nosar baz nay apny pass say ak cheque par fack sig.. kar kay cheque ko disoner karwaya or us kay khlaf parcha karwa deya wo bachra 3 4 ma tk jail main sarta raha us ghreb ka itna he kasor tha kay wo serf shref or ist dar tha this law 489 f was not right... plz chaged it...................................
By: asad, lahor on Mar, 06 2012
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ye buhat acha qanoon hai.jo koi kisi ko cheque deta hai wo koi pagal to nahi k aise he chequ de de,ye qanoon bilkul khatam nahi hona chahie bhuat acha qanoon hai me koi sood khoor nahi hoon sirf insaf ki baat aur apni samaj k mutabik bat karta hoon.is se insan bhuat se jhagroan se bach jata hai.police wale bhi forn parcha nahi kat dete pehle dono party ko bula kar eik dousre ki baat sonte hain agar koi time mange to us ko time bhi dete hain leikin khuch log bhuat makkar houte hain wada kar k bhi payment nahi dete pher ja k police fir kat ti hai.ye qanoon bilkul khatm nahi hona chahie.
By: RANA ABDUL KHALIQ, FAISALABAD on Oct, 27 2010
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i m totaly agree with your comments, actually the persons make it a business they invest there money on a huge mark up and take two checks one of actual amount and one blank, this law should be changed
By: maqsood, wazirabad on Oct, 14 2010
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iam totally agreed with that kai is kanoon sai sirf soodkhor log jo kai ghar beth kar munafeh khatay hain. oon ko faida pohunch raha hai aik buisness man jo kai apni saakht banani mai arsa lagata hai jab jail ka lafz lagta hai to oos ki tamam tar credibility zero ho jatee hai. or ye kya kai oos ko jail mai daal do jail koi paisa daetee hai haan adalat agar dekhti hai to koi compromise ka rasta banai taakay aik business man jo kai mushkil mai oos ko ba asaani utaar sakai. or aik baat kai jab banda jail sai ata hai to kya wo log means complainant jo hai ya mazeed log or wo oos ko aisay threads kartay hain jaisay kacha kha jain gay. kyun kai jissay lainay ho wo to itnay arsay mai andar raehkar khatam or jis kai daenay hain wo peechay mukhtalif raasto sai oos kai biwi bacho ko threads daeta hai. is kanoon sai jail ki police or adalto kai toughts ko faida hua hai oon ki pockets garam raehteen hain . or khudara jab sai remand dia hai to aik investigation officer samaj lain kai 15000 to masla hee koi nahi agar jis nai dae dia to theek warna cheetar. batamizee nazaeba alfaaz yai sab kooch sunna parta hai khudara is ko seedha judicial karain. awal to is kanoon mai jail bhaijna koi hal nahi civil suits hain randation of account hai or different ways hain. sab sai behtar hal agar koi phas gya hai to compromise kai through is ko khatam karain. saza kisi cheez ka hal nahi. maeri ltaja hai kai is kanoon pai nazar saani karain taaakay asla karobaari log jo kai taxes bhi pay kartay hain laikin kisi na kisi waja sai azab mai ajain to oos ka yai anjaam bohut bura hai . azaab duniya mai hee logo pai aatay hain. jail kai mahol mai inssaan achay sai mazeed bura hota hai.
By: usman ghani, lahore on May, 07 2010
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