A HOUSING LOAN WAS SANCTIONED TO ME OF RS.3 LAKHS.I WAS INFORMED BY LKB LTD THAT IT WAS ON FIXED RATE OF INTEREST & THE EMI WAS RS.5,749.BUT EVERY TIME THE AMT. OF RS.5,680 WAS DEDUCTED FROM MY A/C INSTEAD OF RS.5749.NO CHEQUE WAS EVER DEMANDED.AFTER THAT LKB LTD. WAS MERGED IN CENTURION BANK OF PUNJAB LTD.BUT,THE BANK NEVER TOOK ANY AMT. FROM ME AT THAT TIME,ALTHOUGH I TALKED REGARDING IT TO MR.DEEPAK GUPTA ASST. MANAGER,LKB AS HE SANCTIONED MY LOAN.BUT HE ALWAYS SAID THAT IT WILL TAKE SOME TIME FOR THE SYSTEMS WIL UPDATE THE DETAILS.AFTER SOME TIME CENCTURION BANK OF PUNJAB MERGED IN HDFC BANK & NOW THE BANK HAS INCREASED MY EMI TO RS.5,719.I HAD SUBMITTED AN APPLICATION ON 30TH JAN 09 AT HDFC BANK DEER BANK BRANCH FOR THE SAME BUT THERE WAS NO RESULT.I ASKED THE MANAGER,MR.MANISH, OVER THERE & HE TOLD ME THAT ALL DETAILS ARE AT MUMBAI & WILL HAVE TO BE CHECKED & IT WILL REQUIRE RS.500/- FOR THE CHECKING AS ACCORDING TO MY LOAN REPAYMENT SCHEDULE WHICH WAS ISSUED TO ME BY THE LKB,IT HAS TO BE ENDED ON SEPT. 19\'2012 & NOW ACCORDING THE HDFC BANK IT WILL BE OVER ON 02/08/2013.THOUGH I HAD SENT THE BANK A LOT OF E-MAILS BUT THERE IS NO RESPONSE YET.I MET MR.TARUN SACHDEV BRANCH HEAD HDFC BANK MEERA BAGH & HE MADE ME SPEAK TO MR.AZAD SINGH BUT EVERYONE SAID THAT THEY ARE HELPLESS.THEY WERE NOT EVEN RECIEVING MY APPLICATION RATHER TOLD ME THAT ITS OF NO USE AS THEY DONT HAVE ANY RECORDS.I WAS HARRASSED A LOT AS IF I WAS BEGGING FOR SOMETHING.THIS IS SIMPLY FINANCIAL & MENTAL TORTURE BY THEIR GOODSELF.
34 INSTALLMENTS ARE ALREADY GIVEN BY ME.THEY ARE NOW ASKING FOR THE SANCTION LETTER WHICH WAS NOT GIVEN TO ME AT THAT TIME.BUT WHICH WAS ESSENTIAL UNDER RBI GUIDELINES BUT THIS WAS NOT KNOWN TO ME AS IT WAS MY FIRST HOUSING LOAN.YOU CAN UNDERSTANT MY FINANCIAL STATUS AS I TOOK A LOAN OF RS.3 LAKH FOR A DDA JANTA FLAT AT A CITY LIKE DELHI.PLEASE RETRIEVE THE MATTER AT EARLIEST.