[Resolved]  LICHFL, Thanjavur — LIC misguided me for approval of Home Loan

I got a house in Greater Noida BHS09 Scheme draw. LIC Officer: Rajiv Gupta approached me for Loan. I applied the loan for amount of 20 Lacs @ 10.75 interest rate. I visited LIC Office on KG Marg, N Delhi and during the meeting after seeing my papers the manager: Mr. Alok assured me the loan of 20 Lacs. I gave them the PDC cheque of amount 5600/- and they told me it would be debited only after approval of loan. Just two days before the last day of submitting amount in Gr. Noida, ie 19-07-08, I got a call from LIC that they approved loan of just 16 Lacs. I told them it will not solve the purpose as cost of house is 36 Lacs as they promised me for 20 Lacs. And meanwhile I got a loan from SBI for amount of 20 Lacs with the same set of papers, I submitted to LIC. So I refused the loan to LIC. Without informing me they debited my cheque for Rs. 5600/- for service charges. They misguided me for a month on phone and then I approached the same office for return of charges and also submitted application along with SBI approval Letter as a proof and after many calls to them they told it will not be returned. LIC is doing fraud as they never told me that loan cannot be approved for required the amount (20 Lacs) and approved the amount (16 Lacs) which was not solving my purpose. Please suggest what I should do. I am having stamped receipt of application which I submitted to LIC for return of money.