Bank Of Baroda — House loan

Address:

Chennai, Tamil Nadu, 600042

I have opted for Home Loan from BOB. My builder promised to deliver the home in 12 months, where in he took 24 months for completions. Initial 12 months we were charged pre emi for our loans. On 21st month all on a sudden the bank called me and asked me to pay the full emi for remaining 9 months from 13th month to 21st months which was around 80, 000. And they didnt even give me a days time. They called me in the afternoon and debited the money from my account in next few hours. I had that money for different purpose. They should have collected the money from 13th months on a regular basis. All on a sudden when a back charges a wholesome of 80000 without prior intimation it was very hard to handle the situation.