C.V. BHADANG, J.

1. By this appeal, the appellant/original plaintiff is challenging the judgment and order dated 10/6/2014 passed by the learned Ad hoc District Judge-I (FTC), Panaji in Regular Civil Appeal No. 85/2012. By the impugned judgment, the appeal filed by the respondents/original defendants has been allowed thereby dismissing Special Civil Suit No. 172/2003/B filed by the appellant.

2. The brief facts necessary for the disposal of the appeal may be stated thus:

"That the appellant is a banking corporation established under the Banking Companies (Acquisition and Transfer of Undertakings) Act 1970. The appellants are having branch offices at various places including one at Panaji-Goa. The respondent No. 1 is the head office of HDFC bank, while the second and the third respondents are branches of the HDFC bank at Mumbai and at Panaji-Goa."

3. A Demand Draft bearing No. PG 098111 for Rs. 900/- was purchased on 1.2.2003 in the name of one Shri Ashwin Babhubhai Trivedi. The said Demand Draft was purchased from Raipur branch of the appellant and was payable at its Kota branch in Rajasthan. As per the plaint allegations, the defendant No. 3 on 6/2/2003 presented the Demand