Question 322. - A cheque signed by A P to order of P B on bank "A" is presented to P. B's bank and negotiated. The cheque is sent through the clearing house without instructions and is returned by bank "A" without protest and endorsed "N.S.F." The cheque is presented three times and always refused for the same reason "N.S.F." Then P B's bank gives special instructions to have it protested. What is the value of the protest and has P B's bank the right to claim the amount of the cheque and fees from its customer P B? Is not bank "A" responsible?

Answer. - The protest is only of value as affording evidence of presentation and dishonour. P B's bank can claim the amount of cheque and fees from P B, provided the notice of first dishonour was given him in due course. Bank "A" has no responsibility in the matter.