JUDGMENT

Paramjeet Singh Dhaliwal, President - The instant appeal has been filed by the appellant/complainant against the order dated 01.03.2016 passed by District Consumer Disputes Redressal Forum, Moga (in short, "the District Forum"), whereby the complaint filed by her, under section 12 of the Consumer Protection Act, 1986, against the respondents/opposite parties was dismissed.

2. It would be apposite to mention that hereinafter the parties will be referred, as have been arrayed before the District Forum.

3. Brief facts, as averred in the complaint, are that Sh. Amrik Singh, husband of the complainant, was working as a Mandi Supervisor in Market Committee, Dharamkot. He opened account No. 50100062801386 with opposite party no. 3-Bank and obtained a loan of Rs. 3,50,000/- from it, which was repayable in monthly instalment of Rs. 17,263/- from 07.01.2015 to 07.12.2016. The loan amount was disbursed to him on 24.11.2014. In order to secure the loan, opposite party no. 3 got insured the husband of the complainant with HDFC Ergo General Insurance Company Ltd., which is its sister concern, by deducting Rs. 1,863/- from his account on 24.11.2014 and sending the same to opposite party n