Mr. Justice B.S. Yadav, Member—This is a complaint under Section 12 read with Section 21 of the Consumer Protection Act, 1986 filed by M/s. Seth Mohanlal Hiralal through one of his partners namely Govind Prasad Agarwal. The Opposite parties are Punjab National Bank (for short the Bank) and its officers. According to the allegations contained in the complaint, the complainant is a registered partnership firm. There are four partners in the firm including Shri Govind Prasad Agarwal. Certain business of the firm was split between the partners in 1988 and all the four partners decided that the accounts of the joint business of the firm would in future be operated by the joint signature of Govind Prasad Agarwal and either Gajanand Agarwal or Shri Gopal Prasad Agarwal. Accordingly all the four partners of the firm gave written instructions to the Bank vide their letter dated 19th August, 1980 that the accounts of the complainant firm would in future be operated by 2 partners which would necessarily include the signature of the complainant, Govind Prasad Agarwal. The Respondent Bank permitted withdrawal of Rs. 4 lacs from the Firm's C.A.1017 on 12th December, 1988 contrary to the ins