Heard the counsel for the complainant regarding admission of this complaint.   The counsel has come up with this complaint with allegations of deficiency against the Op in bouncing the cheque issued on the ground of insufficient funds.  Learned counsel representing the complainant concede that the complainant did not have sufficient funds in her credit, that being an admitted fact the act of the Op in bouncing the cheque cannot be found fault of bouncing the cheque for that reason do not amounts deficiency in their service.

                 Counsel for the complainant nextly submitted that the holder of the cheque using the bouncing endorsement of the Op had initiated the proceeding U/S 138 of Negotiable Instrument Act which is ended in conviction convicting complainant.  An appeal field by her against the order of conviction has also been dismissed and that complainant has preferred Criminal Revision Petition.   When the issue of bouncing the cheque was a subject matter in Criminal Proceeding before a competent Criminal Court and has been decided on merits, the complainant again cannot turn back and present this complaint as a second round on litigation attributing deficiency to the Op.   The complainant has not proved prima-facie the act of Op as deficient.   Hence, we find no merits in the complaint and complaint is dismissed at the stage of admission with cost of Rs.1,000/-.