State Bank of India — File a Complaint against SBI house loan

My name is Shiv Shankar Rai. I had taken home loan in the year Feb 2006 from SBI AMY Pandra branch Ranchi Jharkhand. My Loan accounts no. [protected]. My loan was sanctioned for the amount of Rs 451000/- and I had received the amount 450000 in 2006. During the time of loan sanction I had been informed that my loan will be starting to deduct after six months with the rate of interest of 8.5%, but they had started charging the interest from the Ist month since they had issued me a loan and till now my rate of in interest has been reached 12.75% without even informing me. Till now SBI bank had deducted the total amount from my bank account is Rs 711307/- and still they are saying my balance amount is Rs 250296/- which they are charging accordingly; this means the total amount I am paying for my loan is Rs 961603/- almost double amount which I had taken for a house loan. You can see on my record sometimes they had also charged the loan amount 3/4 times in the same month and this had not happened only once plenty of time. Not only this they had also charged from my account Rs 83746/- for SBI life insurance without my knowledge, They had never informed me about this sbi insurance neither I have any paper document for this SBI life insurance. This is really fraud things happening in your loan department. I am an army retired persons and I know how I am paying for my house loan. I shall be highly obliged if you will consider my application on priority base. Thank you for your time and consideration and I look forward to hearing from you. For any correspondence please call me or reply on my below given contact details. Thanks & Regards, Shiv Shankar Rai Mob-[protected] B- 507 Mahalaxmi apt, Plot 4 sec-2, Dwarka, New Delhi Pin- 110075