BEFORE THE HON’BLE DISTRICT CONSUMER FORUM, MEERUT

Consumer Complaint No. 112 of 2000

XYZ …………….Complainant
V
ABC Bank Ltd.
……….. …………….Opposite Party
Sir,
The above Opposite Party submits reply as under:
(1)That the contents of paragraph 1 to 5 of the complaint are admitted.
(2)That the contents of paragraph 6 of the complaint are denied that the cheque No
…………….dated …………….for
Rs. 25,000 drawn in favour of Shri …………….was not issued by the Complainant. It is submitted
that the said cheque
was issued by the Complainant himself and the cheque No …………….has been issued to the
Complainant on alongwith
9 (nine) other cheques. The Complainant used 9 cheques out of the said cheque book and got
another cheque book issued on …………….and the 10

th cheque has been issued now which is in

dispute.
(3)That with reference to para 7 of the complaint, it is admitted that the Complainant approached
the Branch Manager of the Opposite Party and wanted to see the cheque, dated …………….for Rs.
25,000 and the Branch Manager shown the said cheque to the Complainant. Rest of the allegations
made in the said paragraph are denied.
(4)That the contents of para 8 of the complaint is admitted to the extent that the Complainant sent
notice, dated …………….through his Advocate Shri ……………. It is denied that no reply was given
to the said notice. The said notice was replied to Shri …………….Advocate vide Shri
……………………..Advocate, Bank’s Advocate. The copy of the reply sent by Bank’s Advocate Shri
…………….is enclosed herewith to this reply and marked as Annexure 1.
(5)That the contents of para 9 of the complaint are denied. There is no deficiency on the part of the
bank. The specimen signatures of the complainant recorded with the bank were compared with the
signature on the cheque and the signature on the cheque No …………….dated …………….for Rs.
25,000 drawn in favour of Shri …………….resembled with the signature kept on record. There is no
negligence on the part of the bank. It is also denied that the Complainant has incurred a loss of
Rs.25,000 due to deficiency in service by the bank.
(6)That with reference to para 10 of the complaint, it is denied that any cause of action has arisen to
file this complaint against the bank
(7)That the contents of para 11 of the complaint are denied. The complainant is not entitled to any
compensation from this opposite party. The claim is misconceived, frivolous, vexatious and filed for
ulterior motive. The claim made by the Complainant is not maintainable and liable to be dismissed
with costs.
(8)That the contents of para 12 of the complaint are strongly denied. It is denied that the
complainant is entitled to the loss and compensation from this opposite party. This Opposite Party
does not admit the claims made by the Complainant or any part of the same. It is submitted that the
claims of the Complainant are liable to be dismissed with cost as being misconceived, frivolous,
vexatious and filed for ulterior motives.
(9)That with reference to para 13 of the complaint, it is denied that any cause of action has arisen to
file this complaint and this Forum has the jurisdiction to try this complaint against this Opposite
party.
(10)That with reference to para 14 of the complaint, it is denied that any cause of action has arisen
to file this complaint and therefore there is no question of filing this complaint within the limitation

period.
(11)That with reference to para 15 of the complaint, it is denied that the Complainant is entitled to
the reliefs as claimed or any other relief from this Forum. The complaint is liable to be dismissed
with costs.
It is therefore prayed that the complaint be dismissed with costs.

For ABC Bank Ltd.,
Opposite Party
Place By the hands of …………….
Dated Authorised Signatory
Through
………………………………….Advocate

Verification

I …………….s/o …………….Working as Branch Manager, ABC Bank Ltd …………….Branch
……………. And the principal officer and authorized attorney of the Opposite Party Bank
hereby state on solemn affirmation that the contents of para 1 to …………….of this reply are true to
my personal knowledge and belief and on the basis of records which I believe to be true, the
contents of para …………….to …………….are based on legal advice which I believe to be true and
the contents of para …………….are my submissions to this Hon’ble Forum.
Verified on this ……day of …2000 Signed at …………….on this …………….day of 2000.
Principal Officer