Home Loan Of ICICI Home Finance — High rate of interest on home loan and exploitation of Non-micr cheques

I have availed a home loan of Rs.517500/- from ICICI Bank which was initially @ 8 % p.a. The initial EMI was Rs.4394/- raised to Rs.4827/-( 9 % p.a.), Rs.5396/-(12.75%) and at present Rs.5702/-(13.75%) all floating rates. ICICI has taken PDC's from me and during Sep.2006 to March 2007, on one hand the Co. asked me to pay EMI in cash or by cheque of any bank(excluding the United Western Bank Ltd. merged into IDBI Bank) and intentionally send Non_micr cheques o[censored]WB thereby penalizing my savings account double time, one fine from ICICI and another from IDBI Bank. This has created my negative profile on CIBIL and I am not getting fresh loan from any financial institution due to exploitation of conditions by ICICI Bank. Also, floating rates of ICICI have been lowered to 9.75 % but they are not applicable to old customers. Old customers are treated harshly and Co. authorities are pressurizing customers to take lombard or like policies if they want to convert their loans. This is cheating by the ICICI bank since the floating rate when went upward, customers were charged higher EMI and when floating rate has shown downward trend, Co. is playing different exploitation game. I have been greatly disturbed by this partiality policy adopted by the ICICI Bank. Can any body take lead in sorting out the complaint ? My home loan account no. is LBKPR[protected].