Punjab National Bank Housing Finance [Pnbhfl] — Home loan interest issue

Address:

Chinchwad Pune

Home Loan account no - HOU/PM/1116/330997 with PnB housing finance, Chinchwad, Pune.

I took 30Lac in year 2018.

i have paid almost 13 Lacs + to pnb housing loan finance in last 3 years and out of this, hardly even 1 Lac amount not deducted from principle amount, almost all money got calculated as interest amount.

what kind of business is this???

When other banks are offering 6.7% interest rate why Pnb keeping interest 9.5% on my loan account?? and almost all EMI amount calculated as interest money.

After all of the frustation of high interest rates of PnB housing loan, now when i m trasfering loan to SBI, i submitted prepayment cheque of 1, 25, 000/- (this cheque is of BOI) on 12th June and no communication from PnB that my cheque is not cleared till 31st July2020.

PnB reported on 31 july that, this cheque (Rs.125000) is bounced from BOI whereas BOI is saying they have not received this cheque for clearance.

When i asked PnB loan officer about wht is reason of cheque bounce - like sign is wrong, date is incorrect, amount or spelling mistake on cheque but they have not shared any such reason of cheque bounce. Bank of India officer cleared said that, they have not received Rs.125000 amount cheque for clearance so far. Finally i requested for my bounced cheque, pnb office declined to handover that cheque.

Now PnB is asking me to pay 125000 + Rs.4000 extra amount to close my loan account with PnB. So PnB is charging around Rs.4000 interest against Rs.125000 for 49 days.

PnB has kept their bank closed for 10 days and when i m inquiring to pnb hosing loan bank to return the bounced cheque, PNB is not helping on that so where is my bounced cheque lying???

I am helpless here so i have paid all that extra charges as per PnB loan officer's demand and now waiting for my original documents.