RAGHUVEERAN K Vs. E KRISHNA MURTHY

JUDGEMENT

(1.) The complainant opened a joint account in his name along with his wife and mother somewhere in the year 1996. Subsequently, somewhere in the year 1998 on the request of the complainant his son Mr. Ratnakar Mallya K. was also added as one of the account holder along with the above said three joint account holders.

(2.) One Cholamandalam Investment and Finance Co. Ltd. issued a cheque in the name of Mr. Ratnakar Mallya on 23.11.2003 for Rs.7,10,059 and the same was credited to the joint Savings Bank Account No.996. The complainant has produced the receipt for having credited the said cheque which is marked as Ex. C-2. The said cheque, according to the complainant was sent for collection and after collecting the same, the Bank instead of crediting the same to the joint SB account has kept the said amount in a suspense account. Thereafter, the complainant issued a cheque dated 27.11.2003 for Rs.7,25,000 in favour of M/s. Naga Constructions. The said cheque on presentation by Naga Constructions through its Banker was dishonored by the O. P. Bank. This according to the complainant is a deficiency in service and it is also an injury to his reputation. Hence, the complainant has filed this complaint claiming compensation of Rs.25,00,000 from the O. Ps.

(3.) The O. P. has filed the version. In the version the O. P. has denied that the S. B. account of the complainant is in the joint names of four persons including the name of Sri Ratnakar Mallya. Though the O. P. has filed the version which runs about seven pages, there is nothing worth considering so as to consider whether there is any deficiency in service on their part or not.