Mr. Justice V.K. Agrawal, President—This appeal, under Section 15 of the Consumer Protection Act, 1986, is directed against the order dated 20.3.2002 in Complaint No. 163/2001 by District Consumer Disputes Redressal Forum, Raipur (hereinafter called the ‘District Forum’ for short) directing that opposite parties 2 and 3 appellants herein, shall pay to the complainant/respondent No. 1 a sum of Rs. 12,000/- with interest @ 9% p.a. payable from 30.8.2000, besides cost of the complaint.

2. Undisputably, the complainant/respondent No. 1 was a member of respondent No. 2 Tridev Co-operative Housing Society. As per bye-laws of the society, it undertook activities of housing construction for and on behalf of its members. The society also facilitates the members in obtaining housing loan from the opposite party/appellant No. 2 herein. The complainant/respondent No. 1 on 20.7.1999 deposited a total sum of Rs. 12,000/- including share money of Rs. 8,000/-, premium Rs. 1,000/-, Panchayat Cess Rs. 1,000/- and registration expenses Rs. 2,000/-. The complainant/respondent No. 1 through respondent No. 2 applied for sanction of loan to him by appellants. Though the complainant made persistent ef