Mrs. Vineeta Rai, Member—The present revision has been filed by Bank of Maharashtra (hereinafter referred to as the ‘Petitioner’) being aggrieved by the order of the State Consumer Disputes Redressal Commission, Delhi (hereinafter referred to as the ‘State Commission’) in favour of G.C. Jain (hereinafter referred to as the ‘Respondent’).

2. The facts of the case according to the Respondent are that on 19.09.1998, he had requested the Petitioner/Bank to issue him a bank draft for Rs.1 lakh in favour of M/s Reach Computers Ltd. payable at Broadway Branch, Chennai on his savings bank account No.8683, which the Petitioner/Bank issued on the same date. Respondent thereafter collected the bank draft and took it to his office from where it got lost. As a precautionary measure, Respondent immediately informed the Manager of Petitioner/Bank in writing on 22.09.1998 (21.09.1998 being Bank Holiday) and requested to “stop payment” of the said bank draft. Respondent also lodged a complaint to this effect with Police Station, Kotla Mubarakpur, Delhi on 26.09.1998. Subsequently, Respondent requested Petitioner/Bank to credit Rs.1 lakh in his savings bank account in view of his request for “