G. Balagangadharan Nair, President This appeal by the unsuccessful complainant before the Consumer Disputes Forum, Ernakulam arises under the following circumstances:

2. The Appellant is a firm doing business in machine tools and accessories. They have an over draft facility to the extent of Rs. 75,000/- with the respondent bank. On 30.11.1988 a cheque dated 23.11.1988 for Rs.15,726.51 ps from the Hindustan Newsprint Limited drawn on the Central Bank of India, Mavelloor was entrusted by the appellant to the respondent for encashmem. After deducting the discount charges the respondent credited the amount to the appellant’s overdraft account and sent the shcque by registered post for collection to the Mavelloor branch of the Central Bank. The cheque was not returned and after some correspondence the appellant obtained a duplicate cheque from the Hindustan Newsprint Ltd., and gave it to the respondent. The respondent discounted it on 25.7.1989, and debited an amount of Rs. 2160/- to the appellant’s account being the over due interest for the period from t 12.1988 to 25.7.1989. The complainant- appellant - alleged that the debiting of this amount is illegal and contrary to banking