Citi Bank — wrong commitment & cheating on home loan

i lost job 3 years back and some how i was managing my home loan and last year i could not repay emi's of loan, there is person call Hari he is Karnataka mortgage incharge who started interacting with me. i explain my financial situation, he started convincing me and committed with me over phone that all penal charges he has got approval to wave off. i asked him to send mail on this so that i can some how borrow from others and try to regularize the account... he told me that every conversion recorded in citi bank, no need to worry... i did same as i committed with him. but he is moved out from responsibilities... now another guy came and says no wave off approval received from citi bank. after so much of effort i am trying to regularize my account, if bank is not giving wave off how come karnataka head for mortage division commits with me and later on cheating... i would like to review on my coversion with citi bank and file a case if they don't follow their commitment... i need legal advise to proceed further on legal grounds... regards Harsha [protected] [protected]@hkit.in