PNBHFL- Not Releasing the Property doc
I have availed a Home Loan A/C Number 6660002949 for the Loan Amount : Rs.2549831/- & Top -up Loan Account Number 6700002951 for the Loan Amount Rs.5900000/-.
As per the Pre-closure Statement issued on 7-Mar-2015, I have pre-closed the above said loans on 17-April-2015 thru below mentioned DDs and received the Fore Closure receipt for the same.
DD Number : ICICI 598577 DD Amount Rs.2361019/- (Loan Account Number 6660002949)
DD Number : ICICI 598578 DD Amount Rs.2500000/- (Loan Account Number 6700002951)
DD Number : ICICI 598579 DD Amount Rs.3121819/- (Loan Account Number 6700002951
Post realization of DDs on 20-April-2015, I have been following with PNBHFL for release of property documents, they asked me to pay around Rs.250000/- I responded back stating this can't be acceptable and it huge this can't bearable by me due to my financial condition and paying huge EMI.
Later I received a Loan Recall/Demand Notice from PNBHFL dated on 17-Oct-2015, demanding Rs.5730.22/-, due to personal issues I could not able to visit the Branch. On 07-Dec-2015 I went to the branch and met Ms.Indumathy and queried on my outstanding amount and she told that it is Rs.5865.00/- and informed the original documents will be handed over after 15 working days, I have paid the amount vide ICICI Cheque number 678345 and the same has been realized on 09-Dec-2015 and got the message from PNBHFL as well. On the same day I requested for the account statement for my both loan accounts and I received the same via mail. Later I reviewed the statement and found that they had charged the interest till 30-April-2015 instead from 11-April-2015 to 17-April-2015.
For the home loan they charged the interest Rs.20706/- (till 30-April-2015 for 20 days) where as it should be around Rs.4844/- (for 7 Days).
For the Top-Up loan they charged the interest Rs.53128/- (till 30-April-2015 for 20 days) where as it should be around Rs.12432/- (for 7 Days).
They also charged Cheque bounce charges for the EMI they presented on 05-May-2015 after the loan amount has been re-paid, which another fault not acceptable.
When I enquired on the above excess interest charges and cheque bounce charges, the PNBHFL representative Indumathy told today (11-Dec-2015) that I have to pay the pre-closure charges for Home loan around Rs.49000/- and for Top-Up loan around Rs.118000/-. Then only they can release the documents and NOC, this is unethical and unacceptable to any common man.
It is been more than 8 months since I closed the loan, kindly advice me what step should I take to resolve and get my documents released.
S.Prasad Babu more