Mr. Justice A.L. Bahri, President—District Forum, Gurdaspur vide order dated June 2, 1998 dismissed the complaint of Sanjeev Kumar, hence this appeal by the complainant. Sanjeev Kumar became a member of Group ‘P’ consisting of 25 members in the scheme sponsored by M/s. Surya Financiers, opposite party No. 3 through Narinder Kumar and S. Sarabjit Singh, partners, opposite party Nos. 1 and 2 respectively. As per the scheme, every month all the members were to contribute Rs. 5,000/- and amount of the contribution was stated to be Rs. 1,25,000/-. There used to be bid and the person offering to take lesser amount used to get the same and remaining amount used to be distributed after deduction of the commission of the opposite party which was stated to be 5%. The complainant having paid all the 25 instalments upto June, 1993 claimed to be entitled to the amount of Rs. 1,25,000/- on maturity of the group scheme. Since the same was not paid, he approached the District Forum. The opposite parties took up preliminary objection that the complaint was barred by time. It was bad for mis-joinder of opposite parties. Opposite party Nos. 1 and 2 were wrongly impleaded. Material facts were con