Q: I have flat in Keerthi Gardenia which belongs to owner share. I got the demand note for paying my first installment. The amount was to be given in two cheques one in favour of HDFC LTD and another in favour of Anil Kumar Reddy. I gave the two cheques but now Keerthi people are saying that HDFC is not accepting cheque, they want Demand Draft (DD). Now 5 lacs DD will cost me Rs 1500/- as service charge. Han anyone faced similar problem?