SANJEEV WALIA Vs. PUNJAB AND SIND BANK

JUDGEMENT

(1.) This appeal has been directed by the complainant against order dated 11.8.2006 passed by Consumer Disputes Redressal Forum-II, U. T. Chandigarh (hereinafter to be referred as District Consumer Forum), vide which his complaint was dismissed being meritless.

(2.) Briefly stated the facts are that the appellant (complainant) is practising lawyer and was having saving bank account No.12168 with the Punjab and Sind Bank-respondent for the last many years.

(3.) It was averred that one Shakti Kumar had issued cheque of Rs.20,120 drawn on Central Bank of India, Mohali (Pb) in favour of M/s. Himmat General Finance Pvt. Ltd. and on 10.6.2005 the said payee M/s. Himmat General Finance Pvt. Ltd. through its M. D. made an endorsement on the said cheque in favour of the appellant. The said endorsement was also confirmed by the appellant by accepting it and making requisite confirmation entry below the endorsement. It was further averred that the appellant deposited the said cheque with the respondent-bank on 14.6.2005 to be presented for collection in local clearing and credit of the amount was to be given in his saving account. However, respondent illegally returned the said cheque by saying 'endorsement on the back of cheque was irregular'.