HDFC Bank — preclosure of loan(cash on card)

I have taken loan(cash on card) on my credit card on 16/04/08 for Rs.55000/-, because of huge interestes I have dicided to proclose the loan amount. I have called the customer care and requested for the preclosure amount, I was shocked with the response from the customer care people. They have told that I have to pay Rs. 95000/- as there is outstanding amount is there on card and 3% preclosure interest plus 12% interest.

I request people not to take the credit cards from the Hdfc bank.