saving account holder have enough money in their account and issued a cheque.bank deduct EMI of someone else without informing the account holder. said cheque bounced.got legal notice from party. try to convince that due to bank fault cheque got bounced, but in vain. paery filed a case against account holder. account holder satteled the matter out of court with compensation like party lawyer fees, interest, cheque amount , misc expenses and a extra amount to end the matter. Now can account holder sue the bank for their fault and faced criminal case without his fault?