Mr. Y. Krishan, Member — This complaint is targeted at the Opposite Parties Nos. 3 & 4, The Pathankot Hindu Co-operative Urban Bank Limited, and Opposite Party No. 1 National Research Development Corporation of India and Opposite Party No. 2 Punjab State Co-operative Bank, Chandigarh are only pro-forma respondents.

1. According to the complainant, there were two occasions on which the Opposite Party No. 3, the Pathankot Hindu Co-operative Urban Bank Limited had been guilty of deficiency in service towards the complainant as the bank’s client. The relevant facts relating to these two cases of alleged deficiencies in service are briefly given below.

2. The firm was registered with the Registrar of Firms as Punjab Coal Briquettes. The complainant had opened a current account No. 134 with the Bank on 7th December, 1990 in the name and style of Punjab Coal Briquettes. Subsequently (i.e. after 29.12.1990) the complainant had furnished an affidavit (the copy of the affidavit in the Paper Book is undated) stating that he was the sole proprietor of the firm M/s. Punjab Coal Briquettes and he was also the General Manager and the Manager of the said concern.

3. The complainant issued a cheq