IDBI, Pune Branch Housing Loan — Tedious process and delayed response in loan processing

I applied for Housing loan with IDBI Bank, Pune on 12th Nov' 2009 with all accurate property doc's and was surprised to note the late back and unprofessional approach of Bank employees. Initially sanction letter was issued by IDBI bank for Rs. 42.15 Lacs and later based on Property valuation it was revised to Rs. 41.65 Lacs and and now that interest rate is revised i still await my sanction letter. In the mean time i have paid my contribution of 20% to the seller and entered into agreement to sale. IDBI bank legal ad visor (lawyer - Mr. Gandhi) raised a query saying the draft agreement submitted by me do not contain details of property transfer act clauses and wanted it to incorporated without mentioning/indicating the same (even on request). After taking it on with disbursement manager (the attitude of said manager was totally non-cooperative) and the file was send to second set of lawyer, who has legally cleared the file now and I await disbursement. No one has realized the tension and anxiety i have under gone. secondly still i am not sure what further requirements shall come up from IDBI bank and WHEN SHALL MY LOAN BE CLEARED. NOW I AM AT MERCY OF IDBI BANK