I have received some amount in my account through cheque about 2 months ago. I visited my bank and queried about this. They told me that cheques are tallied and verified from the parent bank of cheque moreover they didn't provide me information of depositor. Now its hard task for me to further investigate. Plz suggest me what to do further. should i need to wait for a call from depositor or give it to some charity. One more question is such amount be used on some personnel expenditures

AOA, You must wait for anyone to claim the money, its unlawful even to charity the money as you don't have lawful authority over it.
This once happened with me that the money was deposited in wrong account, but once claimed from the bank they adjusted the amount. So wait until someone claims the money.
PS: with the latest tech in banks nowadays it can be easily traced as what cheque no bearing what name submitted such and such money. Please make a little effort in finding out, it will be counted as good amal inshaAllah.

Well first let me congratulate you that there r very few people who show such gesture, u go to the bank n say they r not mine... normally people withdraw them quickly and use them for their own usage despite of knowing that its not their.. Almighty Allah (SWT) bless u for your good deeds...

Secondly u can not use it for your personnel usage nor u can charity it because its not yours... see your account statement whether it was cash/cheque credit.. cash credit can not be traced easily until n unless it was online credit as banks normally maintain the CNIC copy of online depositor and cheque can be easily traced out through cheque number..

you must wait for a while as almost all the banks are, today, on online mode, so surely the owner would contact you in a due course of time, as tracing would take some time.

__________________
"Success is not final, failure is not fatal; it is the courage to continue that counts" (Winston Churchill)

Hi... I am going to reply to your query from legal point of view, not Islamic.

I don't know the amount, but if its a reasonable amount (everyone defines reasonable amount differently though), then its a deliberate trick used by someone on a female's account. People transfer their illegal money to others' accounts, esp females, so that it cannot be spotted by the authorities.

Once investigation is closed, they ask the account holders, usually females (since they are easy to be intimidated) to return them the money.

I hope it all turns out well for you.

__________________
Chaudhry Nauman Zafar
Whatever human mind can believe or conceive, it can achieve.

AOA

I am not well versant with the islamic injunctions on this matter. However, its not appropriate to use this amount.

Nevertheless, I second to senior fellow Nauman. You should think from this aspect as well.

Further, it is your right to enquire your Bank about transactions in your bank account. They should provide you information.

There are two ways to handle this issue;

i) FIA deals with the financial crimes (banking sector issues). You can link up with your FIA Circle officers and you can simply involve your family members and friends to

ii) Simply wait and see for the party to contact you

__________________
'Thee woh ik shakhs kay tasawar saay - abb woh ranayee khayal kahaan'

I concur with the views of Nauman and TSA. Keeping in view the materiality of amount and suspicious source of funds I analyze such transaction from money laundering/terrorist financing/ or fraud point of view.

Sometimes funds are erroneously credited in your account which are reversed afterwards. However, it is better to be vigilant if amount so credited is material. If the origin of the funds is suspicious, you are advised to submit a written request in your bank to identify the source of funds so as to avoid any possible inconvenience. Do obtain receiving of that written request from the concerned bank branch for record purpose. Better not consult with FIA, I know our authorities are not that good to be consulted or taken into confidence in such matters. Sometimes, they aggravate the situation just to extract own benefit. Ye sar ka dard na palna. Just bring this issue in the notice of concerned bank and retain the proof of your complaint/request if in any adverse scenario your are summoned, you can prove your innocence by presenting copy of that complaint/request.


You need not utilize it from both the legal as well as religious point of views.

Even if you spend that money in charity, and in future it is identified by the bank that the proceeds did not pertain to you and were mistakenly credited in your account, you will be legally bound to repay the same to the bank and you won’t be able to get it refunded from the charity beneficiaries by that time.

__________________
"Tumhary nafs ki qeemat Janat hay isy Janat say kam qeemat pey na bechna."
"Jiyo to istarh ky log tum sy milny ko tarsy; maro to istrah k log tumharee mot par royain"

Thanks for the suggestions,I was contacted by Bank manager.Me visited the bank She requested me to return the amount it was some typing error, she added, account number was mistyped.meanwhile they served with me tea and patties they transferred the amount from my account to one where such money need to be deposited. Hence happy ending....

I would have asked the bank for a share ... sort of plea bargain ..... lol

__________________
Chaudhry Nauman Zafar
Whatever human mind can believe or conceive, it can achieve.