DHFL — No Principal Deduction despite paying EMIs for 2 Years and Loan is still running over PEMI

Address:

Mohali, Punjab

I am Lakhvinder Singh. I availed a Plot Loan from DHFL in May, 2013. The sanctioned Loan amount was Rs. 1308673/-. However i asked them to offer Rs. 12, 25, 000/- only. I submitted an application as well to them with this respect. So my EMIs shall be calculated as per this amount only. But they have not started the EMIs yet and i have been paying PEMIs for last 2 years without any default. Upon contacting branch about this issue, they have confirmed that Some Lein Mark Document is pending. But i was never asked to submit this document. No one even bothered to inform me that i need to submit this document also. Second issue is that they have given and insurance policy as well to me despite the fact that i never applied for this. They are charging the interest amount as well. So my main issues are: 1. Scrap my insurance Policy as i never asked for it. 2. Start my EMI on actual availed Loan Amount. 3. And adjust the amount which i paid against PEMIs for last 2 years. There casual attitude and unwillingness to resolve the issue is costing me a lot. You are requested to help me out. Rgds, Lakhvinder Singh [protected]