1. Heard Mohd. Parvez Dabas, Advocate, for the appellant, Mr. Rajat Khattry, Advocate for respondent-1 and Mr. Dinesh Chandra Tripathi, Advocate for respondents-2 & 3.

2. Above appeal has been filed against the order of State Consumer Disputes Redressal Commission, Uttaranchal dated 06.02.2015 passed in CC/12/2013 whereby the complaint has been dismissed. Office has reported one day delay in filing the appeal. The appellant has filed IA/1644/2015 for condoning the delay. For the reasons as stated in the IA, we condone the delay.

3. The appellant/complainant stated that Mr. Narendra Jindal is the proprietor of M/s Jindal & Company at 14^th Gangotri Vihar, GMS Road, Dehradun, presently situated at D-87, Park Road, Dehradun. He has taken a loan from Allahabad Bank who is an agent of respondent-1 (insurance company). Mr. Arun Mishra, Chief Manager, Allahabad Bank and Mr. Ashu Bansal, Executive of Universal Sompo General Insurance Company Ltd. approached the complainant to take an insurance policy from Universal Sompo General Insurance Company Ltd. which was a joint venture with Allahabad Bank, who is also an agent & intermediary of respondent-1. Induced by their offer,