hi

We would like to inform you that you shall reach a friendly agreement with the bank and this is the best solution to prevent the accumulation of benefits on you, as in case of late payment, the bank will return to you with the bonus of issuing cheques without credit.

 As Penal Code stipulated in article (401)

that detention or a fine shall be imposed upon anyone who, in bad faith, gives a draft (cheque) without a sufficient and drawable balance or who, after giving a cheque, withdraws all or part of the balance, making the balance insufficient for settlement of the cheque, or if he orders a drawee not to cash a cheque or makes or signs the cheque in a manner that prevents it from being cashed. The same penalty shall apply to any one who endorses a cheque in favor of another or gives him a bearer draft, knowing that there is no sufficient balance to honor the cheque or that it is not drawable.