[Resolved]  Federal Bank — high interest on housing loan

My name is Anup mittal i have taken loan of 10 lakhs fron federal bank borivali branch @11.25% in march after few months they have sent me a letter for increasing my intrest to 11.75% from then i m paying the same intrest when i contacted the bank for the same the manager said that i have to give a written request for reducing intrest. when while increasing the intrest they dont even ask us then while reducing intrest why should i give a written request, as i m paying a very high intrest pls help me in reducing my intrest and pls help me get refund of all the high intrest hat i have paid i will be thankful to you