Step 1: Understanding the legal principle.
“Injuria-sine-damnum” means “legal injury without actual damage.” It applies when a person’s legal right is violated, even if no physical, financial, or material damage is suffered.
Step 2: Application to the case.
Ms J, the banker, refused to honour Ms F’s cheque despite having sufficient balance. This refusal violates Ms F’s legal right as a customer to have her cheque honoured. Even though no monetary loss occurred, the legal right was infringed.
Step 3: Conclusion.
Hence, Ms F can file a case under the doctrine of “Injuria-sine-damnum.”