We allow the present appeal and set aside the impugned order. We allow the complaint and direct the OP to pay to the Complainant the sum of Rs. 19,400/- with pending and future  interest at the rate of 9% from 10/05/12 until payment. The Complainant is also held entitled to compensation for expenses incurred, hardship, disappointment, mental stress,etc. in the sum of Rs. 10,000/- besides costs of the complaint as well as of this appeal which are assessed at Rs. 10,000/-. The sums herein ordered to be paid shall be paid to the Complainant within a period of 30 days and in case they are not paid, they shall carry interest at 9% until they are paid.