DHFL / Home Loan — prepayment charges

Address:

Kota, Rajasthan

I have home loan account with DHFL since 2008. and they will charges more interest rates. So , we want to foreclose this account.
so to save my money , I want to change my home loan fron dhfl to other bank. But dhfl is chraging 3% prepayment penalty on this. According to rbi's circular , hfcs cant charge a prepayment penalty to customers whose loan is floating rates even if money used to prepay the loan is borrowed from a bank or a non-banking finance company. I was gone in dhfls office which is in Kota Gumanpura to take the closure outstanding report. In that report , they not mentioned any prepayment penalty charges on 29 march 2012 and after they mentioned the 3% prepayment penalty charges (foreclosure report date 26 April 2012) and it's around rs. 1,53,000/-. I was talk with Mr. Manish (account officer of dhfl Kota- Gumanpura office) that,as per rbi circular you cant charge the prepayment charges , but they are not accepted this rule, I also show him the news which was published & on internet. After that they said that they have not received any circular to them from rbi. Thay said u have to pay the 3% prepayment charges.

So please help me to resolve this issue.