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7. On the other hand, it was submitted by the complainant, in person, that no such meeting was held with him by the opposite parties and the letter Ex.C-5 was written by them on their own. The draft of Rs.650/- sent along with that letter was not acceptable and he never got the same encashed. His grievance regarding the deficiency in service and adoption of unfair trade practice was not redressed by the opposite parties. Rs.450/- only was not the amount; which was debited to his account on account of bouncing of the cheques; which were wrongly presented but it is reflected from the loan account statement Ex.C-10 that Rs.500/-, each, was debited on account of the cheque return charges. From the Statement of Account of his banker Ex.C-7, it stands proved that the opposite parties even presented those cheques; which were given only by way of security and had presented two cheques in the same months, whereas one cheque was to be presented for the recovery of the instalment of that month. This not only amounts to deficiency in service on their part but also unfair trade practice. In these circumstances, it cannot be said that the compensation of Rs.20,000/-, which also includes the cost of litigation, is on the higher side. There is no merit in the appeal and the same is liable to be dismissed.