GURU DAYAL KUMAR SINHA Vs. BANK OF INDIA

JUDGEMENT

(1.) NOTICE was sent to the Complainant for admission. The complainant has sent a letter that he be exempted from personal appearance and the matter be decided on merit.

(2.) THE case of the complaint is that OP -Bank of India had sent a registered notice dated 20.8.2004 to the complainant alleging issuance of false cheque, which was bounced back on 20.8.2004 and threatened legal action against him. The complainant sent reply to the bank so that the Bank tenders apology, but the Bank did not care to reply the said letter. According to the complainant he had issued only 15 cheques on 17.12.2002 and rest 35 cheques were kept by the Bank after taking his signatures as post -dated cheques for loans, but alleged cheques do not have his handwriting date and amount. It is further stated that false imputation made by the Bank has seriously lowered his reputation in the eyes of public, patients, in particular among colleagues at National and International levels and has seriously affected his practice. The complainant claims compensation of Rs.10 crores.

(3.) WE have gone through the record. Letter dated 20.8.2004 which is at page 17 shows that cheque No.1850309 dated 20.8.2004 for Rs.15,390/ - (SB A/c. No. 120199) Bank of India, Sita Marhi Branch had bounced back due to nil balance in the account of the complainant for payment of Joan installments. Accordingly, the complainant was directed to deposit the said amount of Rs.15,319/ - in his loan account within a period of 15 days, failing which, Bank shall take legal action.