What should I do if my loan cheque bounces and blackmail occurs?

In 2017, I took a loan of ₹1,00,000 from my friend for business purposes, for which I gave a cheque as security. The business suffered heavy losses during the COVID-19 phase, but I still repaid ₹62,000 in parts. The business closed down, but my friend presented the cheque at the bank, which bounced, leading to a case under Section 138 of the NI Act. In 2021, he started blackmailing me on WhatsApp with private pictures, threatening to share them in my office if I don’t pay. While I am attending court for Section 138 NI, I also want to pursue a civil case for blackmail and prevent the circulation of my private pictures. I seek advice on the legal draft to be submitted at the police station and to file a case in court.

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Advocate By LEAD INDIA Answered: 24 Feb 2025

You can file a civil case for blackmail and defamation under Section 500 and 506 of the IPC for threatening to share your private pictures. Draft a complaint at the police station, detailing the WhatsApp threats and requesting investigation. Simultaneously, you can pursue a Section 138 case for the cheque bounce. Seek legal assistance to represent your case. For further legal assistance contact us on our helpline number. 
 

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