BEFORE THE HON’BLE DISTRICT CONSUMER FORUM, MEERUT

Consumer Complaint No. 176 of 2010

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 10th 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 …………….2010 Signed at …………….on this
…………….day of 2010.

Principal Officer