[Resolved]  Indusind Bank — Levying charges without intimation

Address:

Tamil Nadu

I had availed home loan with Indusind bank during the year 2005. From then on i was a prompt payer of my EMI's. On 15th March 2010, i had approached the bank to avail a top up loan. To my surprise they said thay cant provide me loan as i defaulted their payments for over 2 yrs and also they charge me bounce charges for the same.
As Informed by the banker(over Phone) i reularly transfered Rs12200/- every month. But only when i approached for loan they said that my loan amount is 12325/-.
Isn't this absurd a bank had kept accepting short payments of Rs125/- everymonth. and also charged for the same but had not intimated the customer through any means.
When asked the banker says that they had called me hundred times. Which i deny, cos even after knowing the amount noone would pay 125/-Rs short and take up hugew charges.

Mu question to the bank is can they prove with their detaileds telephone statement that they had informed me, or can they prove me if they intimated me through mail.
I want the charges to be reversed and also compensate me with nominal amount for the mental agony i had gone through