N. Paul Vasantha Kumar, C.J.:-

1. This appeal is filed by the Chairman, J&K Bank as well as by the Branch Manager, J&K Bank, Qamarwari, Srinagar challenging the order passed by the J&K State Consumer Disputes Redressal Commission, Srinagar, dated 22.07.2014 made in Complaint No. 101/2012, awarding compensation of Rs. 50,000/- to the respondent who is a businessman selling articles under the name and style of Kashmir Arts, for harassment and loss of face suffered by him due to the publication of his photograph as defaulter to the tune of Rs. 16.72 Lacs in daily newspaper Greater Kashmir on 21.08.2009, though he was to pay a sum of Rs. 4,82,983.53 only.

2. Stating that the said action of the Bank has tarnished his reputation and business interest as if he is a bankrupt and sustained business loss apart from mental stress, claiming Rs. 15 lacs as compensation with Rs. 50,000/- as costs, the complaint was filed by the respondent before the Divisional Forum, Srinagar initially in November, 2011 which was returned by the Divisional Forum in view of valuation, to be presented before the, J&K State Consumer Disputes Redressal Commission (for short the Commission hereafter),due to