What happened was that the customer, Smt Sharma, had taken a car loan from HDFC Bank and instructed the bank to deduct her monthly EMI (equated monthly instalment) from her savings account with SBI. However, 11 of her EMI payments bounced, and SBI charged her Rs 400 for each instance. Sharma was shocked, as she had always maintained sufficient balance in her bank account. To support her claim, she printed her bank statement and submitted it to the bank. However, SBI declined to refund the bounce charges. Co ...