The Negotiable Instruments Act, 1881 (26 of 1881) as amended by The Negotiable Instruments (Amendment) Act, 2018 (20 of 2018) (w.e.f. 1-9-2018) with 1. Model Forms of Notice and Complaint for Dishonour of Cheques. 2. Form of Complaint (to be Lodged) with the Banking Ombudsman.