Axis Bank — Home loan and Top up

Address:

Hyderabad, Andhra Pradesh

Hi all, Firstly I'm totally vexed up and in a state where I don't understand how to proceed next..Hereby, writing this.. I have taken a loan from HDFC bank in Gachibowli, Hyderabad for about 40L and I have been told initially that I can avail top up loan for my furniture according to the eligibility..only then I've decided to go further as I didnt have funds to get the interior work done. After the home loan process is done, I have applied for a top up loan about 7L and these people say that they cant provide me more than 3L of loan according to the property value even if I have the eligibility.. Then I decided to transfer this loan and apply in some other bank but first confirm if they are willing to give me the required amount.. I moved on to AXIS bank and here come the actual story.. I have literally asked for about 100 times for them to first tell me if I can avail the required top up loan or else I donot want to transfer the amount as I was going to loose 4L interest already which I paid to HDFC bank and the loan is going to start from the scratch again!:( These people have assured me like hell, sent an sms regarding the top up that I can avail upto 8L according to salary and convinced me, took over 2 months of time and transferred the loan from HDFC.. As I didnt have funds fr the furniture I had no option but proceeded further. Then after I dont receive calls from any of those who have been behind us while taking up the loan from HDFC.. After backing them up ..they come and tell me that I cannot get more than 2L as a top up.. I went nutts and been to the branch and started to fire out coz after confirming 100 times about the top up, after signing up the document which shows that I have an eligibility to avail 8L and an sms too that bank has accepted for 8L as top up I went further but was shocked to hear this kind of an answer again! When I shout at the manager about this he says...he has no clue about what happened.. Now what should I do? The question is not about why they aren't issuing 8L of loan;..But the question is about the transperancy..they knew it that I'm not going to get the required amount but they haven't told me..They simply transferred the loan and fooled me.. Now since 4 months my flat lies empty I have been paying rent waiting and waiting but to get fooled.. These people have emotionally and financially ditched us, , No one responds to us regarding this..I just want to know how to fight against these cheaters?