Non Resident Indians or anyone overseas sending money to India in the form of a personal cheque from their NRI accounts in India should be aware of the numerous cases where money sent gets lost to fraud.

Sadly when it comes to recovering money lost in transit in such cases, the time involved in investigating and correspondence back and forth from your residence overseas and bank offices in India can take up a lot of time.

Depending on the bank involved time to resolve such issues can be really frustrating for account holders who find they have lost money and waiting for a credit can test anyone's patience.

Unfortunately when it comes to customer service, some of our Indian banks do not entirely live up to the mark. Its not only the NRIs who send money home suffer but also family members waiting for funds to arrive suffer hardships and spend endless hours trying to track the missing money.