Title: Help Needed: JKSC Mulund Mishap with My Cheque – Seeking Your Guidance!
Hi everyone,
I’m reaching out for some advice regarding a frustrating situation I’ve encountered at JKSC Mulund. As a CA Final student, I’ve been paying my fees in installments, totaling ₹1,10,000. So far, I’ve managed to pay ₹77,000, and I was in the process of clearing the remaining ₹33,000.
Due to some financial constraints, I requested a short delay in the clearance of my cheques, and the staff agreed. They instructed me to submit new cheques in place of the old ones, assuring me that the old ones would be discarded. My parents and I confirmed this multiple times. As a result, they had four cheques instead of three, with one dated 15th March meant to be cancelled.
However, on 15th March, one of those old cheques that was supposed to be discarded was sent for clearance, resulting in a ₹528 penalty from my bank along with a ₹250 fine from JKSC. When I confronted the staff about the mix-up, they essentially said, “When you submitted the cheque, it was quite busy at the reception, so I forgot.” While there were indeed a few students and parents present, it’s their responsibility to manage the cheques. To add insult to injury, she told me, “You can handle it since you’re a CA,” not understanding that I’m a first-year article paying these fees from my own stipend—and that my father is a cab driver. This comment felt quite insensitive and disheartening.
This isn’t the first error they’ve made. Here are some previous incidents:
- In November 2024, they mistakenly recorded my cheque for November 2024 in May 2025, resulting in no cheque being cleared even though I had funds available. I was then unexpectedly asked for two payments simultaneously in January/February 2025.
- On another occasion, I requested that they hold my cheque due to a low balance, but they said I notified them too late, leading to my cheque bouncing and incurring penalties.
While I’ve always cooperated, this time it’s entirely their fault, and I don’t understand why I should bear the consequences. The staff member responsible for handling my cheque has promised to cover the JKSC fine, but I’m struggling to manage the bank penalty after already paying ₹11,000. I strongly feel I shouldn’t have to bear the bank penalty and request reimbursement for at least half of it.
I’d like to ask for your insights:
- Has anyone else encountered a similar situation at JKSC, and were they reimbursed?
- Is it reasonable for me to ask for reimbursement in this case?
- Should I escalate this issue to JKSC management, and if so, how should I go about it?
I would genuinely appreciate any advice you might have! Thank you in advance! 🙏
One response
It’s unfortunate to hear about your experience with JKSC Mulund. Here are some thoughts that might help you navigate the situation:
Document Everything: Make sure you have all the necessary documentation, including emails, payment receipts, and records of your conversations with the staff. This will strengthen your case for reimbursement.
Review Policies: Check JKSC’s official policies regarding cheque handling and any provisions for errors on their part. This can help you in constructing your argument for reimbursement.
Communicate Clearly: When you approach them, be calm and clear. Explain the series of events and how their mistakes have led to financial penalties for you. Emphasize that you had followed their instructions and that their error caused this situation.
Ask for a Meeting: If possible, request a meeting with higher management rather than just speaking with the reception staff. This way, you’re more likely to get a serious response regarding your issue.
Be Firm but Polite: While advocating for your rightful reimbursement, maintain a professional demeanor. Explain how you believe you shouldn’t bear the cost of their mistake and that you’re only seeking a fair resolution.
Escalate if Necessary: If you’re not getting anywhere, consider escalating the issue. You can draft a formal complaint or engage them via their official customer service channels if they have one.
In response to your specific questions:
1. It would be useful to hear from others about their experiences, as shared stories can sometimes guide your approach.
2. Yes, you are justified in asking for reimbursement since you acted according to their guidance.
3. Escalating the matter could be necessary, especially if you feel your concerns are not being addressed adequately.
Wishing you the best in resolving this issue! You deserve fairness in this situation.