The complainant/appellant is a Public Limited Company running a multi-specialty hospital in Thrissur in Kerala. The petitioner company has availed loan facilities comprising term loan, over draft and cash credit facility from Punjab National Bank, for running its business. The appellant filed a Consumer Complaint before the State Commission alleging several deficiencies on the part of the respondent Punjab National Bank in rendering services to it. The deficiencies alleged by the petitioner/complainant can be summarized as under:

Dishonour of cheques issued by the appellant company, on the ground of want of sufficient funds, despite sufficient funds being available in the account of the complainant.

Unauthorized transfers from the account of the complainant company.

Recovery of cheque return charges despite the cheque having been cleared.

Unauthorized debits in the account of the complaina