بخشنامه مورخ 1399/09/19 بانک مرکزی در خصوص تکالیف مقرر در قانون صدور چک و اطلاعیه های قبل و بعد از آن گرچه تا حدودی تکلیف برخی از مقررات زمین مانده اصلاحات قانون صدور چک مصوب 1397 را مشخص نمود، لکن سؤالات و ابهاماتی همچنان به جای مانده که مرور و توضیح آن شاید راهگشای عمل وکلای محترم و شکل دهنده رویه قضائی متناسب با قانون باشد.
آنچه از ظاهر امر بر می آید اینکه از این پس با دو نوع دسته چک روبرو هستیم که احکام آنها تا حدود قابل توجهی از یکدیگر متمایز است. دسته چکهای فعلی که همچنان امکان پشت نویسی و صدور در وجه حامل دارند و دسته چک های جدید که تابع تغییرات اخیر هستند. سؤالی که پیش می آید این است که این رویه دوگانه تا کجا پیش خواهد رفت و دسته چک های فعلی تا چه زمانی اعتبار خواهد داشت و از آن مهم تر اینکه به طور مشخص کدام بخش از مقررات قانون صدور چک بر آنها جاری نخواهد بود. در خصوص دسته چک های جدید هم این نکته مطرح است که آیا از این پس دو نسخه کاغذی و الکترونیکی از چک خواهیم داشت و علاوه بر ثبت صدور و انتقال چک در سامانه صیاد، امضاء و پشت نویسی دستی بر روی نشخه کاغذی هم به روال سابق ادامه خواهد یافت؟
علاوه بر آن هم حقوقدانان و هم دیگر مردم باید مطلع باشند که از میان سامانه های متعددی که اصلاحات اخیر قانون چک، بخشنامه های بانک مرکزی و مصاحبه های مسئولین ذیربط نوید حضور و اثر بخشی آنها را داده اند از جمله سامانه های صیاد، چکاوک، تهاب، سامانه بین بانک مرکزی و قوه قضائیه، آیا همگی به طور کامل راه اندازی شده و قادر به برآورده کردن همه انتظارات قانونی هستند؟
موارد فوق و مطالب دیگری که در این نوشته کوتاه نیامده، مؤسسه حقوقی دادافران شکیبا را بر آن داشت بررسی تحولات اخیر قانون چک را در دستور کار قرار داده و در همین راستا از همکاران و خوانندگان محترم تقاضا می شود نظرات و تجربیات خود را در این صفحه و سایر صفحات مجازی مؤسسه در میان گذاشته و نیز در جلسه آنلاینی که دوشنبه اول دیماه از طریق اینستاگرام مؤسسه برگزار خواهد شد، حضور به هم رسانند. باشد که این اشتراک نظرات و تبادل اطلاعات ابهامات موجود را در حد امکان بر طرف نماید.
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