consumer case

a.manoharan (Querist) 28 February 2011 This query is : Resolved
Dear friends, the customer presented his retirement-benefit-cheque into Nationalized Bank whereat he and his institution also have the accounts. Hence, As the same bank is a computorized branch , immediately his cheque was honoured and the same was accounted into his account. on the same day , within minutes, the same customer's another cheque issued to his friend was presented and the same was also honoured and transferred into his friend's account . Subsequently , the customer presented his cheque for withdrawal , there is no sufficient balance in his account due to his friend's collection of customer's cheque. now ,the question is ' is it lack of deficiency of service'. Any land mark judgement? thanks in advance.

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Guest (Expert) 01 March 2011
If cheques are issued for more than the balance in account, or if the balance falls below the amount of any one cheque, logically how that can be lack or deficiency of service on the part of the bank?