ORDER

The present First Appeal has been filed under Section 19 of the Consumer Protection Act, 1986 (“the Act”) against the Order dated 13.03.2019 passed by the State Consumer Disputes Redressal Commission, Punjab at Chandigarh (“the State Commission”), in Consumer Complaint No. 650 of 2018, wherein the Complaint filed by the Complainant (Respondent No. 1 herein) was allowed.

2. For clarity, the parties involved in this matter are referred to as mentioned in the Complaint before the State Commission. “Sohan Singh” identified as Complainant (“Respondent No. 1”), who is the nominee of his son Sarabjit Singh (Since Deceased or DLA for short). Conversely, Dewan Housing Finance Corporation Ltd. (DHFL), represented by its Managing Director in Mumbai, is denoted as OP-1 (Respondent No. 2 Proforma party herein). DHFL, managed by its Manager in Pathankot, is denoted as OP-2, DHFL Pramerica Life Insurance Company Ltd., represented by its Manager, and Managing Director is referred to as OP-3 and OP-4 respectively.

3. Brief facts of the case, as per the Complainant, are that Sarabjit Singh, the son of the Complainant (now deceased/DLA), had obtained a housing loan from OP Nos.1&2, with loan ac