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    <description>A complaint under Section 138 of the Negotiable Instruments Act is maintainable only after the drawer fails to pay within 15 days of receipt, or deemed receipt, of the statutory notice. Where a notice sent by post is returned unclaimed, the relevant date for computing that period is the date the notice was shown by the postal endorsement as available for delivery, not the date of issuance. On the admitted facts, the complaints were filed before expiry of that 15-day period, so the cause of action had not accrued and the complaints were premature and not maintainable.</description>
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