1. This appeal has been preferred under S.15 of the Consumer Protection Act, 1986 (hereinafter called as the Act) against order dated 17.5.2019 passed by District Consumer Disputes Redressal Forum, Kangra at Dharamshala, whereby Complaint No. 115/2018 filed by the complainant under S.12 of the Act was dismissed.

2. Briefly stated, facts giving rise to the present appeal may be stated thus. The appellant had approached the respondent bank for grant of house loan during the year 2011. The respondent bank accordingly sanctioned and disbursed him housing loan to the tune of Rs.10,00,000 on 15.5.2011. This loan was to be repaid in 120 monthly installments. The appellant claims that as per repayment schedule issued by the respondent bank, EMI of this loan was Rs.10,507.88. The appellant further claims that he had been regularly paying the monthly installments. When he wanted to close the loan account, he approached the respondent bank to know about the outstanding loan amount. He was shocked to know that despite making payment of Rs.8,85,742 an amount of Rs.9,26,862 was shown outstanding in his loan account. The respondent bank adjusted the payments made by him as per their own choice a