ORDER

Mr. Dev Raj, Member -This order shall dispose of three First Appeals bearing Nos. 183/2014 filed by opposite party No. 3, 185/2014 filed by the complainant and 187/2014 filed by opposite party Nos. 1, 2, 4 and 5, against the order dated 11.4.2014, rendered by the District Consumer Disputes Redressal Forum-I, U.T., Chandigarh (hereinafter to be called as the District Forum only), vide which, it allowed Consumer Complaint No. 117 of 2013, filed by complainant, qua the opposite parties, and directed them as under:

"[13] Keeping in view the above detailed discussion, pleadings of the parties as well as relevant documents enclosed, we are of the opinion that the present complaint has merit in favour of the complainant. So, the complaint is allowed. The OPs are jointly and severally directed as under:

(i) to refund a sum of Rs. 138435 being the balance amount retained by OP-3 after the surrender of the policy.

(ii) to pay Rs. 20,000 as compensation for mental harassment, pain and agony suffered by the complainant due to the deficiency in service.

(iii) to pay Rs. 10,000 as litigation costs