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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
V.K. JAIN, PRESIDING MEMBER
ICICI BANK LTD. – Appellant
Versus
RAVINDRA KUMAR SHARMA – Respondent
| Table of Content |
|---|
| 1. unauthorized debit due to prior salary payment. (Para 1 , 2) |
| 2. compensation awarded for service deficiency. (Para 3 , 4) |
| 3. general lien applies to banker only. (Para 5 , 6) |
| 4. bank must seek legal recourse for recovery. (Para 7) |
| 5. revision petitions dismissed. (Para 8) |
The complainant who is the petitioner in RP/2077/2018 and respondent in RP/1357/2018 had a savings bank account with ICICI Bank Ltd., which is petitioner in RP/1357/2018 and respondent in RP/2077/2018. On 23.4.2014, a debit of Rs.22,466/- was made in his savings bank account, as a result of which the balance in the said account became NIL. A cheque, which the complainant had issued on 05.6.2014 came to be dishonoured for want of funds in his savings bank account. Being aggrieved, the complainant approached the concerned District Forum by way of a consumer complaint, seeking refund of the aforesaid amount along with interest and compensation etc.
2. The complaint was resisted by the Bank, primarily on the ground that the complainant is an ex-employee of ICICI Bank Ltd. and a sum of Rs.62,500/- was credited in his saving bank account on 18.9.2013, towards salary of the
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