My name is Kewala Nanad Joshi, I belong to Almora , Uttarakhand, I have taken loan of 150,000/ from above mentioned bank and they paid me only 144,000 / and then they fix the instalment of 4383 per month for four years and that was going from my account through e payment. but last year I had to left Delhi and came to Nanital. suddenly the bank has increase the minimum balance limitfor saving A/c from 10 thousand to 25 thousand. Since I was not in Delhi I could not use their service so I refused to mentain that limit and they were agreed and they asked me to pay the instalment by cash before 15 of every month I have been regularily paying my instalment. but now I have received a call from them that they are asking for late payment charged after one year. for last one they have not said any thing.
Now please sir guide what should I do . In face I have been paying them 18% interest already.
I would be highly grateful to you.
Kewala Nand Joshi