M.V. Viswanathan, Judidical Member—Complaint filed under Sections 12 and 18 of the Consumer Protection Act, 1986.

2. The case of the complainant is as follows:

The complainant is a proprietorship concern doing the business in Copra, coconut oil and allied products at Aroor. The complainant is represented by its sole proprietor, P.V. Alaxander. The opposite party is a road carrier operator approved by the Indian Bank Association having its Head Office at Jaipur and Branch Office at Ernakulam. Complainant dispatched one consignment of coconut oil from Aroor to M/s Span Projects Private Ltd, Bommasandra Industrial Area, Bangalore as per lorry receipt No.10899. The consignment was dispatched on 6.10.99 having the invoice value of Rs.6.15.764 having 96 quintals of coconut oil. The invoice and demand draft along with consignee copy of the lorry receipt were sent to the State Bank of India, main branch, Bangalore through the State Bank of India branch at Alappuzha. The State Bank of India discounted the bills for the complainant. The documents were presented to the drawee of the bills, but they were dishonoured by non-payment and they were returned to the State Bank of India,