Citibank — Service tax on loan of credit card

Address:

Jaipur, Rajasthan, 302019

I have taken loan on my citibank credit card on july-2015. This loan taken over phone and without any paper documentation but voice recording as an agreement. At the time of taking loan i asked the executive minimum three times regarding service tax and she said there is no service tax at all. But starting from november-2016 they suddenly started charging service tax on loan emi’s which in turn increases the emi amount, which is additional charge on customer. I called the customer care and they told me that the rbi has directed with notification to the bank to charge the customer service tax. When i asked them to show the notification they are not providing tithe service tax concept is there from long back while other banks have charging customers service tax with prior informing them before providing the loan. Here citibank people are telling lies because they didn't follow the law properly in order to sell their product, ones rbi tightened the rule they passed the penalty to customers
I would like citibank to either stop charging this tax or preclose my loan on credit card without pre closure charges.

Amit saboo
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