Kotak Prime Car Loan — Reimbursement of loan Surrender Charges

Dear Sir/Madam

This is to make you in notice of the wrong practices happening in Agra Branch of yours.
I applied for a Four wheeler loan from kotak Prime in Feb'08 with the agreement number 4444852 in the name of Sachin Kumar, r/o 4, Master Plan Road, New Lajpat Kunj, Khandari, Agra for the purchase of Maruti Swift Vdi from Kavisha Motors, Agra.
The loan was sanctioned in Jan'08. Kotak Prime, Agra branch despatched the cheque to Kavisha Motors. My car was in waiting and after waiting for a long time i cancelled the purchase of car in March'08 as well as i applied for the cancellation of my loan from Kotak Prime.
Even after making the loan cancelled in March, your branch debited 1 EMI from my account. This was a shock to me as i have not purchased the car and the EMI was deducted. I complained this thing to the Branch manager of your Agra branch, Mr. Virendra Gautam. Ever since i tried to contact him for the enquiry of the EMI deducted from my account, he always gave me the same reply that the things are in process.
I am waiting since march and till date no action has been taken. Latest i got the reply from your branch that they will refund the deucted EMI but the canellation charges will be levied on that amount.
This is the limit of the harassment that your branch and employees are doing to the consumers. Why i should be paying the surrender charges when it was the mistake of the company of deducting the EMI from my account even when the loan was cancelled.
And the second thing is that Kavisha Motors enjoyed the amount of loan for 2-3 months, so they should pay the cancellation charges. What i have received from your company and Kavisha Motors is only and only harassment and nothing else.
My request is to take immediate action on this matter or i'll be forced to present this case in the consumer forum.
You are open to call me on my number- [protected].