Life Insurance Corporation of India [LIC] — Interest rate and customer care of LICHFL

Dear sirs,
I have availed a 30 L loan from LICHFL and that is the big mistake of my life; they never care for customer I noticed; they fleece you more than private loan sharks; still I was tempted when I recd a msg form LICHFL that I can reduce my interest rate from prevailing 9.5%, ; I logged in as they said, i was directed to my customer portal and then there was nothing, my typed msg was refused as "not valid'
In addition to being arrogant to customers, now they started ' fooling' customers. What is the logic - interest rates are increased without asking customer and for interest rate reduction, you have to 'rewrite' paying lot of money. Is there any Governance in India or is it a free for all
M.Selvam