Case nº First Appeal No. 256 of 2014 and IA/2691/2014 of National Consumer Disputes Redressal Commission, May 20, 2014 (case Ravindra Kumar Prasad Vs The Zonal Manager, Bank of India, The Dy. Zonal Manager, Bank of India and Sr. Branch Manager, Bank of India)

JudgeFor Appellant: Mr. Kaushik Laik, Advocate
PresidentK.S. Chaudhari, J. (Presiding Member) and Dr. B.C. Gupta, Member
Resolution DateMay 20, 2014
Issuing OrganizationNational Consumer Disputes Redressal Commission


K.S. Chaudhari, J. (Presiding Member)

  1. Appellant has filed this appeal against the order dated 24.3.2014 passed by the Jharkhand State Consumer Disputes Redressal Commission, Ranchi (in short, 'the State Commission') in Complaint No. 25 of 2013 - Ravinder Kumar Prasad Vs. The Zonal Manager, Bank of India & Ors. by which, complaint was dismissed.

  2. Brief facts of the case are complainant/Appellant was having Bank Account with OP/Respondent. Complainant issued 8 cheques aggregating Rs. 20,04,994/- as mentioned in paragraph 2 of the complaint. The cheques were presented in the Bank, but OP dishonoured cheques on the ground of insufficient fund, whereas complainant had Rs. 17,45,925.17 in his account and OP was under an obligation to clear cheques to the extent of funds in the account and committed deficiency in dishonouring all the cheques. Alleging deficiency on the part of OP, complainant filed complaint before State Commission. Learned State Commission passed brief order which runs as under

  3. In our opinion also if on a particular date several cheques are presented, and the balance is less than the total amount of cheques, the Bank cannot choose to honour or dishonor one or the other cheque. Therefore, it appears that the Bank was justified in dishonoring the cheques in question.

    In the circumstances we find no merit in this complaint, which is accordingly...

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