VIJAYA BANK vs GURNAM SINGH

The Supreme Court upheld the findings of the District Forum and the State Commission regarding gross deficiency in service by the bank under the Consumer Protection Act, 1986. The Court found that the bank had honored a cheque exceeding the complainant's account balance without any overdraft facility, constituting negligence. The appeal was dismissed, and costs of Rs. 10,000 were imposed on the appellant for lack of merit.