When  presentment not required to charge the drawer / indorser

Sec.  79.  When  presentment  not  required  to  charge  the  drawer.  - Presentment  for  payment  is  not  required  in  order  to  charge  the drawer where he has no right to expect or require that the drawee or acceptor will pay the instrument.
 
Sec.  80. When presentment not required to  charge the indorser. - Presentment  is not required in order to  charge an  indorser  where the instrument was made or accepted for his  accommodation  and he  has  no  reason  to  expect  that  the  instrument  will  be  paid  if presented.
 

APPLICATION OF SECTION 79 AND 80

•      These  provisions  give  exceptions  to  the  general  rule  that  if  no presentment  for  payment  is  made,  the  persons  primarily  liable  are discharged
 

WHERE DRAWER NEED NOT BE GIVEN NOTICE

•      Where  A  withdraws  his  funds from  X,  drawee bank,  so  that  they  are not sufficient to pay the bill, he has no right to expect or require that the drawee or acceptor would pay the instrument

•      Accordingly,  where  F  holder  doesn’t  make  a  presentment  to  X,  A drawer would not be discharged by such failure
 

PRESENTMENT  IS  NOT  REQUIRED  TO  CHARGE  THE  DRAWER  IN  THE FOLLOWING CASES

1.    In case the check upon which payment has been stopped
2.    Where the drawer’s balance is less than the amount of the check.  The mere fact however that the drawer has no funds with drawee at the time he draws, doesn’t render presentment unnecessary if
he still has reasonable grounds to believe that the instrument will be paid, particularly when provision has been  made for payment of any bill drawn by the drawer on the drawee
3.    Where  the  drawer  of  a  bill  containing  the  words  “Pay  from balance” had no money on deposit with the drawee but expected to arrange with the broker to cover drafts