A violation of B.P. Blg.

22 prescribes in four (4) years from the commission

of the offense or, if the same be not known at the time, from the discovery
thereof.
A criminal case for bp 22 has a prescriptive period of 4 years from the time
the check was dishonored.
Therefore, if the crime committed was BP 22, the lending company has four
(4) years to file a case from the day of the commission of the crime or from
the date of dishonor of the check.
The notice that the check bounced or was dishonored will only provide the
prosecution with a prima facie evidence of deceit constituting false
pretense or fraudulent act in Estafa and prima facie evidence of knowledge
of such insufficiency of funds or credit in BP 22. This means that if the
drawee was notified of the dishonor of his check, the fact of fraud or
knowledge of insufficiency of funds is already established.