1. This First Appeal No. 762 of 2020 under S.51(1) of the Consumer Protection Act, 2019 challenges the order dated 31.7.2019 passed by Honble Karnataka State Consumer Disputes Redressal Commission, Bangalore (for short, the Stale Commission) in CC No. 46 of 2016, whereby the Complaint filed by the Complainant was allowed with a direction that the Opposite Party / Appellant Bank, to reverse entries and restore the terms of the house loan dated 29.3.2006 along with payment of Rs. 10,000 towards mental agony and inconvenience.

2. Brief facts of the case are that the Respondent / Complainant is a Non Resident Indian who availed a Housing Loan of Rs. 40,00,000 under Non - Resident Indian Loan Scheme at a ˜Fixed Rate of Interest @8.5% repayable in 120 monthly installments of Rs. 49,595. The Respondent / Complainant executed the GPA in favor of his Father to execute the Loan Agreement. The Loan Agreement was executed on 22.03.2006 and as per the Agreement, the amounts were disbursed to the Respondent / Complainant as follows:

The remaining amount of Rs. 2,98,800 was paid by the Bank directly to the sub-registrars office, towards stamp duty, registration fee etc.

3. The Respondent started p